0000012659 hrb:LoansToFranchiseesMember 2010-05-01 2010-07-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2011-05-01 2011-07-31 0000012659 hrb:AllOtherReceivablesMember 2011-05-01 2011-07-31 0000012659 hrb:TaxClientReceivablesMember 2010-05-01 2010-07-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2010-05-01 2010-07-31 0000012659 hrb:AllOtherReceivablesMember 2010-05-01 2010-07-31 0000012659 hrb:TaxClientReceivablesMember 2010-07-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2010-07-31 0000012659 hrb:AllOtherReceivablesMember 2010-07-31 0000012659 hrb:TaxClientReceivablesMember 2010-04-30 0000012659 hrb:LoansToFranchiseesMember 2010-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2010-04-30 0000012659 hrb:AllOtherReceivablesMember 2010-04-30 0000012659 us-gaap:LineOfCreditMember 2011-07-31 0000012659 hrb:TermLoansMember 2011-07-31 0000012659 hrb:RoyaltiesFromFranchiseesMember 2011-07-31 0000012659 hrb:ReceivablesForTaxPreparationAndRelatedFeesMember 2011-07-31 0000012659 hrb:OtherReceivablesMember 2011-07-31 0000012659 hrb:LoansToFranchiseesMember 2011-07-31 0000012659 hrb:BusinessServicesReceivablesMember 2011-07-31 0000012659 hrb:TaxClientReceivablesMember 2011-04-30 0000012659 hrb:RoyaltiesFromFranchiseesMember 2011-04-30 0000012659 hrb:ReceivablesForTaxPreparationAndRelatedFeesMember 2011-04-30 0000012659 hrb:OtherReceivablesMember 2011-04-30 0000012659 hrb:LoansToFranchiseesMember 2011-04-30 0000012659 hrb:BusinessServicesReceivablesMember 2011-04-30 0000012659 hrb:CaliforniaWageAndHourClassActionLawsuitMember us-gaap:MinimumMember 2011-07-31 0000012659 hrb:CaliforniaWageAndHourClassActionLawsuitMember us-gaap:MaximumMember 2011-07-31 0000012659 hrb:RsmMcgladreyLitigationMember 2011-07-31 0000012659 hrb:InvestigationsLegalClaimsAndLawsuitsMember 2011-07-31 0000012659 hrb:InvestigationsLegalClaimsAndLawsuitsMember 2011-04-30 0000012659 us-gaap:IndemnificationGuaranteeMember 2011-07-31 0000012659 hrb:RepurchaseAndIndemnificationsMember 2011-07-31 0000012659 hrb:IndemnityAgreementWithSingleCounterpartyMember 2011-07-31 0000012659 us-gaap:IndemnificationGuaranteeMember 2011-04-30 0000012659 hrb:RepurchaseAndIndemnificationsMember 2011-04-30 0000012659 us-gaap:IndemnificationGuaranteeMember 2010-07-31 0000012659 hrb:RepurchaseAndIndemnificationsMember 2010-07-31 0000012659 us-gaap:IndemnificationGuaranteeMember 2009-04-30 0000012659 hrb:RepurchaseAndIndemnificationsMember 2009-04-30 0000012659 2009-04-30 0000012659 hrb:TotalPastDueMember hrb:PurchasedFromSccMember 2011-07-31 0000012659 hrb:TotalPastDueMember hrb:AllOtherMember 2011-07-31 0000012659 hrb:SixtyTo89DaysPastDueMember hrb:PurchasedFromSccMember 2011-07-31 0000012659 hrb:SixtyTo89DaysPastDueMember hrb:AllOtherMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember hrb:OccupancyStatusOwnerOccupiedMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember hrb:OccupancyStatusNonOwnerOccupiedMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember hrb:InternalRiskRatingMediumMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember hrb:InternalRiskRatingHighMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelStatedIncomeMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelNoDocumentationMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelLimitedDocumentationMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember hrb:DocumentationLevelFullDocumentationMember 2011-07-31 0000012659 hrb:NinetyDaysPlusPastDueMember hrb:PurchasedFromSccMember 2011-07-31 0000012659 hrb:NinetyDaysPlusPastDueMember hrb:AllOtherMember 2011-07-31 0000012659 hrb:LessThan60DaysPastDueMember hrb:PurchasedFromSccMember 2011-07-31 0000012659 hrb:LessThan60DaysPastDueMember hrb:AllOtherMember 2011-07-31 0000012659 hrb:CurrentMember hrb:PurchasedFromSccMember 2011-07-31 0000012659 hrb:CurrentMember hrb:AllOtherMember 2011-07-31 0000012659 hrb:AllOtherMember hrb:OccupancyStatusOwnerOccupiedMember 2011-07-31 0000012659 hrb:AllOtherMember hrb:OccupancyStatusNonOwnerOccupiedMember 2011-07-31 0000012659 hrb:AllOtherMember hrb:InternalRiskRatingLowMember 2011-07-31 0000012659 hrb:AllOtherMember hrb:InternalRiskRatingHighMember 2011-07-31 0000012659 hrb:AllOtherMember hrb:DocumentationLevelStatedIncomeMember 2011-07-31 0000012659 hrb:AllOtherMember hrb:DocumentationLevelNoDocumentationMember 2011-07-31 0000012659 hrb:AllOtherMember hrb:DocumentationLevelLimitedDocumentationMember 2011-07-31 0000012659 hrb:AllOtherMember hrb:DocumentationLevelFullDocumentationMember 2011-07-31 0000012659 hrb:TotalPastDueMember 2011-07-31 0000012659 hrb:SixtyTo89DaysPastDueMember 2011-07-31 0000012659 hrb:OccupancyStatusOwnerOccupiedMember 2011-07-31 0000012659 hrb:OccupancyStatusNonOwnerOccupiedMember 2011-07-31 0000012659 hrb:NinetyDaysPlusPastDueMember 2011-07-31 0000012659 hrb:LessThan60DaysPastDueMember 2011-07-31 0000012659 hrb:InternalRiskRatingMediumMember 2011-07-31 0000012659 hrb:InternalRiskRatingLowMember 2011-07-31 0000012659 hrb:InternalRiskRatingHighMember 2011-07-31 0000012659 hrb:DocumentationLevelStatedIncomeMember 2011-07-31 0000012659 hrb:DocumentationLevelNoDocumentationMember 2011-07-31 0000012659 hrb:DocumentationLevelLimitedDocumentationMember 2011-07-31 0000012659 hrb:DocumentationLevelFullDocumentationMember 2011-07-31 0000012659 hrb:CurrentMember 2011-07-31 0000012659 hrb:TaxClientReceivablesMember hrb:CreditQualityIndicatorTwoYearFormOriginationMember 2011-07-31 0000012659 hrb:TaxClientReceivablesMember hrb:CreditQualityIndicatorThreeYearAndPriorFormOriginationMember 2011-07-31 0000012659 hrb:TaxClientReceivablesMember hrb:CreditQualityIndicatorOneYearFormOriginationMember 2011-07-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:RevolvingLoansMember 2011-07-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorTwoYearFormOriginationMember 2011-07-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorThreeYearAndPriorFormOriginationMember 2011-07-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorOneYearFormOriginationMember 2011-07-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember hrb:CreditQualityIndicatorCurrentYearOfOriginationMember 2011-07-31 0000012659 hrb:TaxClientReceivablesMember 2011-07-31 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2011-07-31 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2011-07-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2011-07-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2011-07-31 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2010-07-31 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2010-07-31 0000012659 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember hrb:TrustPreferredSecurityMember 2010-07-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2010-07-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2010-07-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember hrb:TrustPreferredSecurityMember 2010-07-31 0000012659 us-gaap:OtherInterestIncomeMember 2011-05-01 2011-07-31 0000012659 hrb:MortgageLoansMember 2011-05-01 2011-07-31 0000012659 us-gaap:OtherInterestIncomeMember 2010-05-01 2010-07-31 0000012659 hrb:MortgageLoansMember 2010-05-01 2010-07-31 0000012659 us-gaap:FederalHomeLoanBankAdvancesMember 2011-05-01 2011-07-31 0000012659 us-gaap:DepositsMember 2011-05-01 2011-07-31 0000012659 us-gaap:BorrowingsMember 2011-05-01 2011-07-31 0000012659 us-gaap:FederalHomeLoanBankAdvancesMember 2010-05-01 2010-07-31 0000012659 us-gaap:DepositsMember 2010-05-01 2010-07-31 0000012659 us-gaap:BorrowingsMember 2010-05-01 2010-07-31 0000012659 hrb:CorporateMember 2011-05-01 2011-07-31 0000012659 hrb:TaxServicesMember 2010-05-01 2010-07-31 0000012659 hrb:CorporateMember 2010-05-01 2010-07-31 0000012659 hrb:BusinessServicesMember 2010-05-01 2010-07-31 0000012659 hrb:PurchasedFromSccMember hrb:PortfolioBalanceWithoutAllowanceMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember hrb:PortfolioBalanceWithAllowanceMember 2011-07-31 0000012659 hrb:AllOtherMember hrb:PortfolioBalanceWithoutAllowanceMember 2011-07-31 0000012659 hrb:AllOtherMember hrb:PortfolioBalanceWithAllowanceMember 2011-07-31 0000012659 hrb:PortfolioBalanceWithoutAllowanceMember 2011-07-31 0000012659 hrb:PortfolioBalanceWithAllowanceMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember hrb:PortfolioBalanceWithoutAllowanceMember 2011-04-30 0000012659 hrb:PurchasedFromSccMember hrb:PortfolioBalanceWithAllowanceMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:PortfolioBalanceWithoutAllowanceMember 2011-04-30 0000012659 hrb:AllOtherMember hrb:PortfolioBalanceWithAllowanceMember 2011-04-30 0000012659 hrb:PortfolioBalanceWithoutAllowanceMember 2011-04-30 0000012659 hrb:PortfolioBalanceWithAllowanceMember 2011-04-30 0000012659 hrb:RsmMcgladreyLitigationMember 2011-05-01 2011-07-31 0000012659 hrb:EquicoMember 2011-05-01 2011-07-31 0000012659 hrb:TaxServicesMember 2011-07-31 0000012659 hrb:BusinessServicesMember 2011-07-31 0000012659 hrb:TaxServicesMember 2011-04-30 0000012659 hrb:BusinessServicesMember 2011-04-30 0000012659 2008-05-01 2011-07-31 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2011-05-01 2011-07-31 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2011-05-01 2011-07-31 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MunicipalBondsMember 2010-05-01 2010-07-31 0000012659 us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2010-05-01 2010-07-31 0000012659 us-gaap:FairValueMeasurementsRecurringMember hrb:TrustPreferredSecurityMember 2010-05-01 2010-07-31 0000012659 us-gaap:NoncompeteAgreementsMember hrb:TaxServicesMember 2011-07-31 0000012659 us-gaap:NoncompeteAgreementsMember hrb:BusinessServicesMember 2011-07-31 0000012659 us-gaap:FranchiseRightsMember hrb:TaxServicesMember 2011-07-31 0000012659 us-gaap:CustomerRelationshipsMember hrb:TaxServicesMember 2011-07-31 0000012659 us-gaap:CustomerRelationshipsMember hrb:BusinessServicesMember 2011-07-31 0000012659 hrb:TradeNameNonAmortizingMember hrb:BusinessServicesMember 2011-07-31 0000012659 hrb:TradeNameAmortizingMember hrb:TaxServicesMember 2011-07-31 0000012659 hrb:TradeNameAmortizingMember hrb:BusinessServicesMember 2011-07-31 0000012659 hrb:ReacquiredFranchiseRightsMember hrb:TaxServicesMember 2011-07-31 0000012659 hrb:PurchasedTechnologyMember hrb:TaxServicesMember 2011-07-31 0000012659 hrb:AttestFirmAffiliationMember 2011-07-31 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 hrb:HrbBankInterestOnlyMortgageMember 2011-07-31 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2011-05-01 2011-07-31 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2010-05-01 2010-07-31 0000012659 2010-07-31 0000012659 us-gaap:SubsidiariesMember 2010-04-30 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2010-04-30 0000012659 hrb:BfcIssuerMember 2010-04-30 0000012659 2010-04-30 0000012659 2011-06-30 0000012659 2011-03-31 0000012659 hrb:TwossHoldingsIncMember 2010-10-31 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2011-04-30 0000012659 hrb:PooledLessThan60DaysPastDueMember 2011-07-31 0000012659 hrb:IndividuallyTdrMember 2011-07-31 0000012659 hrb:Individually60DaysOrMorePastDueMember 2011-07-31 0000012659 hrb:PooledLessThan60DaysPastDueMember 2011-04-30 0000012659 hrb:IndividuallyTdrMember 2011-04-30 0000012659 hrb:Individually60DaysOrMorePastDueMember 2011-04-30 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2011-07-31 0000012659 hrb:AllOtherReceivablesMember 2011-07-31 0000012659 hrb:EmeraldAdvanceLinesOfCreditMember 2011-04-30 0000012659 hrb:AllOtherReceivablesMember 2011-04-30 0000012659 us-gaap:ParentCompanyMember 2011-04-30 0000012659 hrb:BfcIssuerMember 2011-04-30 0000012659 hrb:TwoThousandSixMember 2011-07-31 0000012659 hrb:TwoThousandSevenMember 2011-07-31 0000012659 hrb:TwoThousandFiveMember 2011-07-31 0000012659 us-gaap:MaximumMember 2011-07-31 0000012659 us-gaap:ParentCompanyMember 2011-05-01 2011-07-31 0000012659 us-gaap:ParentCompanyMember 2010-05-01 2010-07-31 0000012659 us-gaap:SubsidiariesMember 2011-05-01 2011-07-31 0000012659 hrb:BfcIssuerMember 2011-05-01 2011-07-31 0000012659 us-gaap:SubsidiariesMember 2010-05-01 2010-07-31 0000012659 hrb:BfcIssuerMember 2010-05-01 2010-07-31 0000012659 us-gaap:MinimumMember 2011-05-01 2011-07-31 0000012659 us-gaap:MaximumMember 2011-05-01 2011-07-31 0000012659 us-gaap:ParentCompanyMember 2011-07-31 0000012659 us-gaap:ParentCompanyMember 2010-07-31 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2011-07-31 0000012659 hrb:BfcIssuerMember 2011-07-31 0000012659 us-gaap:SubsidiariesMember 2010-07-31 0000012659 us-gaap:BusinessIntersegmentEliminationsMember 2010-07-31 0000012659 hrb:BfcIssuerMember 2010-07-31 0000012659 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2011-07-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2011-07-31 0000012659 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2010-07-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2010-07-31 0000012659 hrb:MinimumCreditScoreMember 2011-05-01 2011-07-31 0000012659 hrb:MaximumCreditScoreMember 2011-05-01 2011-07-31 0000012659 hrb:PurchasedFromSccMember 2011-07-31 0000012659 hrb:AllOtherMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember 2011-04-30 0000012659 hrb:AllOtherMember 2011-04-30 0000012659 us-gaap:SubsidiariesMember 2011-07-31 0000012659 us-gaap:SubsidiariesMember 2011-04-30 0000012659 us-gaap:PendingOrThreatenedLitigationMember 2011-07-31 0000012659 hrb:TaxServicesMember 2011-05-01 2011-07-31 0000012659 hrb:BusinessServicesMember 2011-05-01 2011-07-31 0000012659 us-gaap:FairValueMeasurementsNonrecurringMember 2011-05-01 2011-07-31 0000012659 us-gaap:FairValueMeasurementsNonrecurringMember 2010-05-01 2010-07-31 0000012659 us-gaap:FairValueInputsLevel3Member 2011-07-31 0000012659 us-gaap:FairValueInputsLevel2Member 2011-07-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2011-07-31 0000012659 us-gaap:FairValueInputsLevel3Member 2010-07-31 0000012659 us-gaap:FairValueInputsLevel2Member 2010-07-31 0000012659 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2010-07-31 0000012659 hrb:PrivateLabelSecuritizationTransactionsMember 2011-07-31 0000012659 hrb:MonolineInsurersMember 2011-07-31 0000012659 hrb:AdditionalInformationRequestedByCounterpartyMember 2011-07-31 0000012659 hrb:TwoThousandSixMember 2011-05-01 2012-04-30 0000012659 hrb:TwoThousandSevenMember 2011-05-01 2012-04-30 0000012659 hrb:TwoThousandFiveMember 2011-05-01 2012-04-30 0000012659 2011-05-01 2012-04-30 0000012659 hrb:TwoThousandSixMember 2011-05-01 2011-07-31 0000012659 hrb:TwoThousandSevenMember 2011-05-01 2011-07-31 0000012659 hrb:TwoThousandSixMember 2011-02-01 2011-04-30 0000012659 hrb:TwoThousandSevenMember 2011-02-01 2011-04-30 0000012659 hrb:TwoThousandFiveMember 2011-02-01 2011-04-30 0000012659 2011-02-01 2011-04-30 0000012659 hrb:TwoThousandSixMember 2010-11-01 2011-01-31 0000012659 hrb:TwoThousandSevenMember 2010-11-01 2011-01-31 0000012659 2010-11-01 2011-01-31 0000012659 hrb:TwoThousandSixMember 2010-08-01 2010-10-31 0000012659 hrb:TwoThousandSevenMember 2010-08-01 2010-10-31 0000012659 hrb:TwoThousandFiveMember 2010-08-01 2010-10-31 0000012659 2010-08-01 2010-10-31 0000012659 hrb:TwoThousandSixMember 2010-05-01 2010-07-31 0000012659 hrb:TwoThousandSevenMember 2010-05-01 2010-07-31 0000012659 hrb:TwoThousandFiveMember 2010-05-01 2010-07-31 0000012659 2010-05-01 2010-07-31 0000012659 hrb:TwoThousandSixMember 2010-02-01 2010-04-30 0000012659 2010-02-01 2010-04-30 0000012659 hrb:TwoThousandSixMember 2009-11-01 2010-01-31 0000012659 hrb:TwoThousandSevenMember 2009-11-01 2010-01-31 0000012659 2009-11-01 2010-01-31 0000012659 hrb:TwoThousandSixMember 2009-08-01 2009-10-31 0000012659 hrb:TwoThousandSevenMember 2009-08-01 2009-10-31 0000012659 hrb:TwoThousandFiveMember 2009-08-01 2009-10-31 0000012659 2009-08-01 2009-10-31 0000012659 hrb:TwoThousandSixMember 2009-05-01 2009-07-31 0000012659 hrb:TwoThousandSevenMember 2009-05-01 2009-07-31 0000012659 2009-05-01 2009-07-31 0000012659 hrb:TwoThousandSixMember 2008-05-01 2009-04-30 0000012659 hrb:TwoThousandSevenMember 2008-05-01 2009-04-30 0000012659 hrb:TwoThousandFiveMember 2008-05-01 2009-04-30 0000012659 2008-05-01 2009-04-30 0000012659 hrb:CaturanoCompanyIncMember 2011-07-31 0000012659 hrb:PurchasedFromSccMember 2011-05-01 2011-07-31 0000012659 hrb:AllOtherMember 2011-05-01 2011-07-31 0000012659 2011-04-30 0000012659 2011-07-31 0000012659 2011-05-01 2011-07-31 iso4217:USD xbrli:shares iso4217:USD xbrli:pure xbrli:shares false --04-30 Q1 2012 2011-07-31 10-Q 0000012659 305766188 Large Accelerated Filer H&R BLOCK INC 0.58 0.58 69794000 70890000 11055000 9499000 0.165 0.051 0.233 80849000 80389000 84000000000 5900000 5300000 <div class="MetaData"> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="8%"> </td> <td width="5%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="2%"> </td> <td width="5%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="3%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="2%"> </td> <td width="3%"> </td> <td width="4%"> </td> <td width="4%"> </td> <td width="3%"> </td> <td width="6%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in millions)</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Fiscal Year</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td colspan="3" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Fiscal Year 2010</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Fiscal Year 2011</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td colspan="3" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Fiscal Year 2012</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2009</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q1</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q2</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q3</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q4</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q1</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q2</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q3</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q4</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q1</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Total</font></td></tr> <tr valign="bottom"><td colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loan Origination Year:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2005</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">62</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">15</font></td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">6</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">1</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">1</font></td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">85</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2006</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">217</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">57</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">4</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">45</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">100</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">15</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">29</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">50</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">29</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">548</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2007</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">153</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">4</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">11</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">7</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">3</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">5</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">4</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">4</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">193</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Total</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">432</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">6</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">83</font></td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">11</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">45</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">109</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">21</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">33</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">55</font></td> <td style="border-bottom: #000000 1px solid; text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">31</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">826</font></td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Note: The table above excludes amounts related to an indemnity agreement dated April 2008, which is discussed below.</font></p></div> 432000000 62000000 153000000 217000000 6000000 4000000 2000000 83000000 15000000 11000000 57000000 11000000 7000000 4000000 45000000 45000000 109000000 6000000 3000000 100000000 21000000 1000000 5000000 15000000 33000000 4000000 29000000 55000000 1000000 4000000 50000000 31000000 2000000 29000000 826000000 85000000 193000000 548000000 66000000 8000000 14000000 52000000 678352000 -20000 -114000 9600000 115000000 0.023 0.007 0.016 0.062 0.047 0.015 0.42 0.42 -3888000 430000 -2227000 -1473000 -589000 -482000 7449000 7561000 -112000 <table style="line-height: 115%; border-collapse: collapse; font-size: 11pt;" border="0" cellspacing="0" cellpadding="0"> <tr><td> </td> <td> </td> <td> </td></tr> <tr style="height: 15.75pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" colspan="2"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 7.5pt;" class="_mt">(dollars in 000s)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" colspan="3"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">To Be Well Capitalized</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" colspan="4"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">For Capital AdequacyUnder</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Prompt</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Corrective</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" colspan="13"> </td></tr> <tr style="height: 15.75pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Actual</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" colspan="2"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Purposes</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" colspan="2"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Action Provisions</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td></tr> <tr style="height: 15.75pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Amount</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Ratio</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Amount</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Ratio</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Amount</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Ratio</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">As of June 30, 2011:</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Total risk-based capital ratio⁽¹⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">411,062</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">94.5</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">34,813</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">8</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">43,516</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">10</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Tier 1 risk-based capital ratio ⁽²⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">405,333</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">93.1</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">26,110</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">6</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Tier 1 capital ratio (leverage) ⁽³⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">405,333</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">35</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">139,141</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">12</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">57,975</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">5</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-indent: 1.5pt; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">Tangible equity ratio ⁽⁴⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">405,333</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">35</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">17,393</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">1.5</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">As of March 31, 2011:</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Total risk-based capital ratio ⁽¹⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">405,000</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">92.5</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">35,019</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">8</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">43,773</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">10</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Tier 1 risk-based capital ratio⁽²⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">399,187</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">91.2</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; text-indent: 1.5pt; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">26,264</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">6</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Tier 1 capital ratio (leverage) ⁽³⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">399,187</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">22.8</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">209,758</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">12</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">87,399</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">5</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 15.75pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-indent: 1.5pt; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">Tangible equity ratio ⁽⁴⁾</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">399,187</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">22.8</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">26,220</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">1.5</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td></tr></table> <p style="line-height: 115%; margin: 0in 0in 10pt; font-size: 11pt;">&nbsp;</p> <table style="line-height: 115%; width: 506pt; border-collapse: collapse; margin-left: 4.65pt; font-size: 11pt;" border="0" cellspacing="0" cellpadding="0" width="675"> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 20.05pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="top" width="27" nowrap="nowrap"> <p style="margin: 0in 0in 0pt; font-size: 11pt;">^{<font style="color: black; font-size: 7.5pt;" class="_mt">(1)</font>}<font style="color: black;" class="_mt">&nbsp; &nbsp; &nbsp;</font><font style="color: black; font-size: 7.5pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 485.95pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="648"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 7.5pt;" class="_mt">Total risk-based capital divided by risk-weighted assets.</font></p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 20.05pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="top" width="27" nowrap="nowrap"> <p style="margin: 0in 0in 0pt; font-size: 11pt;">^{<font style="color: black; font-size: 7.5pt;" class="_mt">(2)</font>}<font style="color: black;" class="_mt">&nbsp; &nbsp; &nbsp;</font><font style="color: black; font-size: 7.5pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 485.95pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="648"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 7.5pt;" class="_mt">Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.</font></p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 20.05pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="top" width="27" nowrap="nowrap"> <p style="margin: 0in 0in 0pt; font-size: 11pt;">^{<font style="color: black; font-size: 7.5pt;" class="_mt">(3)</font>}<font style="color: black;" class="_mt">&nbsp; &nbsp; &nbsp;</font><font style="color: black; font-size: 7.5pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 485.95pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="648"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 7.5pt;" class="_mt">Tier 1 (core) capital divided by adjusted total assets.</font></p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 20.05pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="top" width="27" nowrap="nowrap"> <p style="margin: 0in 0in 0pt; font-size: 11pt;">^{<font style="color: black; font-size: 7.5pt;" class="_mt">(4)</font>}<font style="color: black;" class="_mt">&nbsp; &nbsp; &nbsp;</font><font style="color: black; font-size: 7.5pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 485.95pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="648"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 7.5pt;" class="_mt">Tangible capital divided by tangible assets.</font></p></td></tr></table> 16000000 50000000 7700000 7200000 1214164000 1214164000 1102646000 1102646000 1915000 1820000 11000000 10200000 0.161 0.165 207300000 157464000 14106000 143358000 161241000 22964000 138277000 0.80 0.80 0.57 5000000 -485000 <div class="MetaData"> <div> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Management Estimates</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting periods. Significant estimates, assumptions and judgments are applied in the determination of our allowance for loan losses, potential losses from loan repurchase and indemnity obligations associated with our discontinued mortgage business, contingent losses associated with pending litigation, fair value of reporting units, 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> 700 700 69467000 69467000 61997000 61997000 282546000 11900000 35507000 188324000 -223831000 33312000 44084000 -77396000 -188324000 188324000 -44084000 44084000 120 60 37695000 38319000 94702000 94045000 18848000 40668000 -21820000 18167000 12031000 6136000 33720000 33720000 16477000 16477000 164369000 164369000 2002000 2002000 0.85 0.01 0.01 0.89 0.52 0.78 0.22 0.327 0.124 0.448 259214000 281326000 6724000 6724000 5320000 5320000 10049000 8823000 0 3321000 3321000 3446000 3446000 <table border="0" cellspacing="0"> <tr><td width="53%"> </td> <td width="8%"> </td> <td width="13%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="10%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance at beginning of period:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount related to repurchase and indemnifications</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">126,260</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">138,415</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount related to indemnity agreement dated April 2008</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">49,785</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">126,260</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,200</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Changes:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Provisions</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Losses on repurchase and indemnifications</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(485</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Payments under indemnity agreement dated April 2008</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(70</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr><td colspan="7">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance at end of period:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount related to repurchase and indemnifications</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">125,775</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">138,415</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount related to indemnity agreement dated April 2008</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">49,715</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">125,775</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,130</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr></table> <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: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" width="23%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" width="4%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" width="9%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" width="4%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" width="10%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" width="4%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" width="9%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" width="2%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" width="4%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" width="9%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" width="2%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" width="4%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" width="8%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" width="2%"> </td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 7.5pt;" class="_mt">(in 000s)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 37.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="37%" colspan="3"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Emerald Advance</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Tax Client</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Loans</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">All</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 42.98%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="42%" colspan="6"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Lines of Credit Receivables - RALs to Franchisees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Other</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Total</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 100%; padding-right: 0.75pt; padding-top: 0.75pt;" width="100%" colspan="14"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Balance as of April 30, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">4,400</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">63,066</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">67,466</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Provision</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">950</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">1,955</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2,905</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Recoveries</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">51</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">51</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Charge-offs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(2,840</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(2,840</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Balance as of July 31, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,350</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,232</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">67,582</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 100%; padding-right: 0.75pt; padding-top: 0.75pt;" width="100%" colspan="14"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 100%; padding-right: 0.75pt; padding-top: 0.75pt;" width="100%" colspan="14"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Balance as of April 30, 2010</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">35,239</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">12,191</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">4</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">65,041</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">112,475</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Provision</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">710</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">1,078</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">1,790</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Recoveries</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">128</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">128</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Charge-offs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(4</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(2,015</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(2,019</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Balance as of July 31, 2010</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">35,949</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">12,193</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">64,232</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">112,374</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr></table> <table style="line-height: 115%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0"> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 44%; padding-right: 0.75pt; padding-top: 0.75pt;" width="44%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 12%; padding-right: 0.75pt; padding-top: 0.75pt;" width="12%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 20%; padding-right: 0.75pt; padding-top: 0.75pt;" width="20%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9%; padding-right: 0.75pt; padding-top: 0.75pt;" width="9%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 13%; padding-right: 0.75pt; padding-top: 0.75pt;" width="13%"> </td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 7.5pt;" class="_mt">(in 000s)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">As of</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">July 31, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">April 30, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Allowance related to:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Emerald Advance lines of credit</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,350</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">4,400</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Tax client receivables related to RALs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Loans to franchisees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">All other receivables</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,232</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">63,066</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 3px double; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 3px double; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">67,582</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 3px double; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 3px double; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">67,466</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr></table> <table border="0" cellspacing="0"> <tr><td width="49%">&nbsp;</td> <td width="7%">&nbsp;</td> <td width="20%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="13%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td></tr> <tr><td colspan="5">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Portion of total allowance for loan losses allocated</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">to impaired loans and TDR loans:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Based on collateral value method</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">70,890</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">69,794</font></td></tr> <tr valign="bottom"><td style="text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Based on discounted cash flow method</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">9,499</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,055</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">80,389</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">80,849</font></td></tr></table> <table border="0" cellspacing="0"> <tr><td width="35%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="17%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="6%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr><td colspan="8">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, beginning of the period</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">92,087</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">93,535</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Provision</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,625</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,000</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Recoveries</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">49</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">33</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Charge-offs</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(6,458</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(13,172</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, end of the period</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">91,303</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">88,396</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr></table> <div class="MetaData" align="left"> <table border="0" cellspacing="0"> <tr><td width="22%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="4%">&nbsp;</td> <td width="9%">&nbsp;</td> <td style="width: 202px;" width="2%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="8%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" colspan="4" align="left"><i><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Condensed Consolidating Balance Sheets</font></i></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block, Inc.</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 5px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">BFC</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Consolidated</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Guarantor)</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Issuer)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Subsidiaries</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Elims</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &amp; cash equivalents</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">413,141</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">599,595</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(27</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,012,709</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &amp; cash equivalents &#8211; restricted</font></td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">849</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">43,553</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,402</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Receivables, net</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">224,573</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">104,815</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">329,388</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans held for investment</font></td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">466,663</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">466,663</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Intangible assets and goodwill, net</font></td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,102,646</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,102,646</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Investments in subsidiaries</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,478,748</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">94</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,478,748</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">94</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other assets</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">12,474</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">299,379</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,040,297</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,352,150</font></td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total assets</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid; text-indent: 2px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,491,222</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,404,605</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,891,000</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,478,775</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">4,308,052</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer deposits</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">666,295</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(27</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">666,268</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Long-term debt</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">999,055</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">20,376</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,019,431</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">FHLB borrowings</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">25,000</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">25,000</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other liabilities</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">214</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(132,742</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,496,004</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,363,476</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,257,131</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">40,201</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1,297,332</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Stockholders' equity</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,233,877</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(193,204</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,671,952</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,478,748</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,233,877</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total liabilities and</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">stockholders' equity</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid; text-indent: 2px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,491,222</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,404,605</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,891,000</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,478,775</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">4,308,052</font></td></tr></table> <p style="margin: 0px;">&nbsp;</p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="22%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="8%">&nbsp;</td> <td width="6%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="8%">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block, Inc.</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 5px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">BFC</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Consolidated</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Guarantor)</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Issuer)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Subsidiaries</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Elims</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &amp; cash equivalents</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">616,238</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,061,656</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(50</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,677,844</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &amp; cash equivalents &#8211; restricted</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">9,522</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">38,861</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">48,383</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Receivables, net</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">88</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">102,011</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">390,191</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">492,290</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans held for investment, net</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">485,008</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">485,008</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Intangible assets and goodwill, net</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,214,164</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,214,164</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Investments in subsidiaries</font></td> <td align="right">&nbsp;</td> <td colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,699,555</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,699,555</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other assets</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">13,613</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">469,461</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">807,166</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,290,240</font></td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total assets</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,713,256</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,682,240</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,512,070</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,699,605</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,207,961</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer deposits</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">852,270</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(50</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">852,220</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Long-term debt</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">998,965</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">50,789</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,049,754</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">FHLB borrowings</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">25,000</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">25,000</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other liabilities</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">178</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(26,769</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,858,004</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,831,413</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="right">&nbsp;</td> <td colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,263,504</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">24,173</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1,287,677</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Stockholders' equity</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,449,574</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(191,399</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,890,954</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,699,555</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,449,574</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total liabilities and</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">stockholders' equity</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,713,256</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,682,240</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,512,070</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,699,605</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,207,961</font></td></tr></table></div></div> <div class="MetaData"> <div align="left"> <table border="0" cellspacing="0"> <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></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" colspan="6" align="left"><i><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Condensed Consolidating Statements of Cash Flows</font></i></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended</font></td> <td colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block, Inc.</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">BFC</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Consolidated</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Guarantor)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Issuer)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Subsidiaries</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Elims</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash provided by (used in)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">operating activities:</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,048</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(22,900</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(373,697</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(394,549</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash flows from investing:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchases of available-for-sale securities</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(39,275</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(39,275</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans originated for</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">investment, net</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,192</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,192</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchase property &amp; equipment</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(54</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(10,899</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(10,953</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Payments made for business</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">acquisitions, net</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,457</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,457</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Proceeds from sale of businesses, net</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,230</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,230</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loans made to franchisees</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(16,477</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(16,477</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Repayments from franchisees</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,320</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,320</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,084</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(44,084</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other, net</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">12,031</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,136</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">18,167</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash provided by (used in)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">investing activities</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,084</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(27,263</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">13,010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(44,084</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(14,253</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash flows from financing:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer banking deposits</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(186,268</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(186,245</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Dividends paid</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(45,894</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(45,894</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Repurchase of common stock</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,002</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,002</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Proceeds from exercise of</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">stock options</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,762</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,762</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">33,312</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(77,396</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,084</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other, net</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">22</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(24,940</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(24,916</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash used in financing activities</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(46,132</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(152,934</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(102,336</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,107</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(257,295</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Effects of exchange rates on cash</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">962</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">962</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net decrease in cash</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(203,097</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(462,061</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(665,135</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &#8211; beginning of period</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">616,238</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,061,656</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(50</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,677,844</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &#8211; end of period</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">413,141</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">599,595</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(27</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,012,709</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="margin: 0px;">&nbsp;</p> <div> <div align="left"> <table border="0" cellspacing="0"> <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></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended</font></td> <td colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block, Inc.</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">BFC</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Consolidated</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2010</font></td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Guarantor)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Issuer)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Subsidiaries</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Elims</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash provided by (used in)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">operating activities:</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">22,849</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(43,301</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(327,799</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(348,251</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash flows from investing:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans originated for</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">investment, net</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">17,618</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">17,618</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchase property &amp; equipment</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(8,634</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(8,634</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Payments made for business</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">acquisitions, net</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(33,226</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(33,226</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Proceeds from sale of businesses, net</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">26,387</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">26,387</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loans made to franchisees</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(33,720</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(33,720</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Repayments from franchisees</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,724</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,724</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,324</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(188,324</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other, net</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">40,668</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(21,820</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">18,848</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash provided by (used in)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">investing activities</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,324</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">31,290</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(37,293</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(188,324</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(6,003</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash flows from financing:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer banking deposits</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(121,166</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(235</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(121,401</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Dividends paid</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(48,692</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(48,692</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Repurchase of common stock</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(164,369</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(164,369</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Proceeds from exercise of</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">stock options</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,500</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,500</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">35,507</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(223,831</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,324</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other, net</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">388</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">176</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(16,551</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(15,987</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash used in financing activities</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(211,173</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(85,483</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(240,382</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,089</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(348,949</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Effects of exchange rates on cash</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,232</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,232</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net decrease in cash</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(97,494</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(607,706</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(235</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(705,435</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &#8211; beginning of period</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">702,021</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,102,135</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(111</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,804,045</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &#8211; end of period</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">604,527</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">494,429</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(346</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,098,610</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr></table></div></div></div> <div class="MetaData"> <table style="line-height: 115%; width: 100%; border-collapse: collapse; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <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></tr> <tr style="height: 15.75pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 43.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="43%" colspan="6"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><i><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Condensed Consolidating Statements of Operations</font></i></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 7.5pt;" class="_mt">(in 000s)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 39pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Three months ended</font></p></td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.84%; padding-right: 5.4pt; height: 39pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%" colspan="2"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">H&amp;R Block, Inc.</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">BFC</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Other</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Consolidated</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 27pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">July 31, 2011</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.84%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%" colspan="2"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(Guarantor)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(Issuer)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Subsidiaries</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Elims</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">H&amp;R Block</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Total revenues</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">21,773</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">245,861</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">267,634</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 26.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Cost of revenues</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">37,662</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">319,338</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">357,000</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 25.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 17.28%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="17%" colspan="2"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Selling, general and administrative</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">7,895</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">199,968</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">207,863</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Total expenses</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">45,557</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">519,306</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">564,863</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 26.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Operating loss</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(23,784</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(273,445</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(297,229</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 52.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 52.5pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Other income (expense), net</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(293,142</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">3,281</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">806</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">293,142</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">4,087</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 39pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Loss from continuing</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="10%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="13%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="14%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 51.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">operations before tax benefit</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(293,142</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(20,503</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(272,639</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">293,142</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(293,142</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Income tax benefit</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(119,699</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(1,850</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(117,849</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">119,699</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(119,699</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 25.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss from continuing operations </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="10%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(173,443</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="color: black;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(18,653</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(154,790</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">173,443</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(173,443</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss from discontinued</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="10%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="13%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="14%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">operations</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(1,655</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(1,637</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(18</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">1,655</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(1,655</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(175,098</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(20,290</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(154,808</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">175,098</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(175,098</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr></table> <p style="line-height: 115%; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p> <table style="line-height: 115%; width: 100%; border-collapse: collapse; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <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></tr> <tr style="height: 26.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Three months ended</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.38%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="12%" colspan="2"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">H&amp;R Block, Inc.</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">BFC</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Other</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="8%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Consolidated</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 27pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">July 31, 2010</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.38%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%" colspan="2"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(Guarantor)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(Issuer)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Subsidiaries</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Elims</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">H&amp;R Block</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Total revenues</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; text-indent: 3.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">21,000</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">253,474</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">274,474</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Cost of revenues</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">39,028</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">328,988</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">368,016</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 25.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Selling, general and administrative</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; text-indent: 4.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">2,090</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">114,939</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">117,029</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Total expenses</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; text-indent: 4.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">41,118</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">443,927</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">485,045</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Operating loss</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(20,118</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(190,453</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(210,571</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Other income (expense), net</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(207,317</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; text-indent: 4.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">382</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">2,872</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">207,317</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">3,254</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Loss from continuing</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">operations before tax benefit</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(207,317</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(19,736</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(187,581</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">207,317</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(207,317</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Income tax benefit</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(79,679</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(7,841</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(71,838</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">79,679</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(79,679</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 25.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss from continuing operations </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="line-height: normal; text-indent: 1.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(127,638</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="color: black;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(11,895</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(115,743</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">127,638</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(127,638</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss from discontinued</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">operations</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(3,043</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; text-indent: 4.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(3,004</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(39</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">3,043</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(3,043</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(130,681</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; text-indent: 4.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(14,899</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(115,782</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">130,681</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(130,681</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr></table></div> <table border="0" cellspacing="0"> <tr><td width="24%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="16%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="16%">&nbsp;</td> <td width="7%">&nbsp;</td> <td width="13%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Credit Quality Indicators</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased from SCC</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">All Other</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total Portfolio</font></td></tr> <tr><td colspan="7">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Occupancy status:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Owner occupied</font></td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">244,259</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">132,132</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">376,391</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Non-owner occupied</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">102,436</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">75,164</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">177,600</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">346,695</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">207,296</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Documentation level:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Full documentation</font></td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">105,547</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">150,972</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">256,519</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Limited documentation</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,447</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">22,411</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32,858</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Stated income</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">198,898</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,168</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">220,066</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">No documentation</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">31,803</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">12,745</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,548</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">346,695</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">207,296</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Internal risk rating:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">High</font></td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">143,931</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">357</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">144,288</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Medium</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">202,764</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">202,764</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Low</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">206,939</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">206,939</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">346,695</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">207,296</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td></tr></table> <div style="width: 88%; margin-left: 6%;" class="MetaData"> <div style="text-indent: 16px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 4%; 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;">&nbsp;</div> <div style="margin-left: 4%; margin-right: 0%;"> <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="96%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="30%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="12%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="14%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="12%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="13%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td></tr> <tr style="font-size: 9pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="6" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom" align="center"><td style="border-bottom: #000000 1px solid; font-size: 1pt;" valign="bottom" colspan="16" align="right">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="font-size: 9pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio Balance<br /></font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio Balance<br /></font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total<br /></font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">With Allowance </font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">With No Allowance </font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">Portfolio Balance </font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">Related Allowance </font></td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom" align="center"><td style="border-bottom: #000000 1px solid; font-size: 1pt;" valign="bottom" colspan="16" align="right">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>&nbsp; </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;">As of July&nbsp;31, 2011: </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 18pt;">Purchased from SCC </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">180,494 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">47,081 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">227,575 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">70,964 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </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: 18pt;">Other </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">27,954 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7,700 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">35,654 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,425 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">208,448 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">54,781 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">263,229 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">80,389 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </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;">As of April&nbsp;30, 2011: </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 18pt;">Purchased from SCC <sup style="font-size: 85%; vertical-align: top;">(1)</sup> </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">180,387 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">51,674 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">232,061 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,733 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </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: 18pt;">Other <sup style="font-size: 85%; vertical-align: top;">(1)</sup> </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">29,027 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7,561 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">36,588 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,116 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">209,414 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">59,235 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">268,649 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">80,849 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="border-top: #000000 1px solid;" colspan="17">&nbsp; </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> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 10pt;" class="MetaData" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td width="5%"> </td> <td width="1%"> </td> <td width="94%"> </td></tr> <tr><td valign="top" align="right"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt"><sup style="font-size: 85%; vertical-align: top;">(1)</sup></font></td> <td> </td> <td class="MetaData" valign="bottom"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">Classification of amounts as of April&nbsp;30, 2011 have been restated to conform to the current period presentation. </font></td></tr></table></div> <table border="0" cellspacing="0"> <tr><td width="39%"> </td> <td width="19%"> </td> <td width="13%"> </td> <td width="9%"> </td> <td width="10%"> </td> <td width="7%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr><td colspan="6">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Interest income:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans, net</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,661</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,323</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">4,772</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,979</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,433</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,302</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Interest expense:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Borrowings</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,494</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">20,643</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Deposits</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,656</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,923</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">FHLB advances</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">151</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">396</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23,301</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">22,962</font></td> <td align="left">&nbsp;</td></tr></table> <table border="0" cellspacing="0"> <tr><td width="29%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="15%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="7%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="2%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(dollars in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">% of Total</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">% of Total</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr><td colspan="11">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Adjustable-rate loans</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">320,539</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">58</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">333,828</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">58</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Fixed-rate loans</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">233,452</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">42</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">239,146</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">42</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">100</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">572,974</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">100</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Unamortized deferred fees and costs</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,975</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">4,121</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Less: Allowance for loan losses</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(91,303</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(92,087</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">466,663</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">485,008</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr></table> <table border="0" cellspacing="0"> <tr><td width="37%">&nbsp;</td> <td width="19%">&nbsp;</td> <td width="20%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="13%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loans:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased from SCC</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">138,277</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">143,358</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">22,964</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">14,106</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">161,241</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">157,464</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">TDRs:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased from SCC</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,767</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,849</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">178</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">329</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,945</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,178</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total non-accrual loans</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">165,186</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">160,642</font></td></tr></table> <div class="MetaData"> <div align="left"> <table border="0" cellspacing="0"> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Less than 60</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">60 &#8211; 89</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Days</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">90+ Days</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Days Past Due</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Past Due</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Past Due </font>^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1)</font>}</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Past Due</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Current</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased from SCC</font></td> <td style="text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">35,960</font></td> <td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,886</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">133,767</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">178,613</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">168,082</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">346,695</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">All other</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,470</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,735</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">20,479</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32,684</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">174,612</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">207,296</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">46,430</font></td> <td style="border-bottom: #000000 1px solid; text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,621</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">154,246</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">211,297</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">342,694</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <div> <p style="text-align: left;">^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(1)<font class="_mt">^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1"> </font>}<font class="_mt">^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">No loans past due 90 days or more are still accruing interest</font></font>}</font></font></font>}<font class="_mt">^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1"> </font></font>}</font></p></div></div> <table border="0" cellspacing="0"> <tr><td width="23%">&nbsp;</td> <td width="8%">&nbsp;</td> <td width="15%">&nbsp;</td> <td width="5%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="16%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="3%">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Outstanding</font></td> <td align="left">&nbsp;</td> <td colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loan Loss Allowance</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">% 30</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">+ Days</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Principal Balance</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">% of Principal</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Past Due</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased from SCC</font></td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">346,695</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">80,640</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23.3</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44.8</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">All other</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">207,296</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,663</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5.1</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">12.4</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">91,303</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">16.5</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32.7</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr></table> <table border="0" cellspacing="0"> <tr><td width="32%">&nbsp;</td> <td width="7%">&nbsp;</td> <td width="13%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="7%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="6%">&nbsp;</td> <td width="7%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="4" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Portfolio Balance Related Allowance</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Portfolio Balance Related Allowance</font></td></tr> <tr><td colspan="9">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Pooled (less than 60 days past due)</font></td> <td style="text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">290,762</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,914</font></td> <td style="text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">304,325</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,238</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Impaired:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Individually (TDRs)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">95,417</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">9,499</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">106,328</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,056</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Individually (60 days or more past due)</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">167,812</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">70,890</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">162,321</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">69,793</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">91,303</font></td> <td style="border-bottom: #000000 1px solid; text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">572,974</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">92,087</font></td></tr></table> <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="96%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="79%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="6%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="6%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td></tr> <tr style="font-size: 9pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="6" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom" align="center"><td style="border-bottom: #000000 1px solid; font-size: 1pt;" valign="bottom" colspan="8" align="right">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">Three Months Ended July 31, </font></td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">2011 </font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">2010 </font></td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom" align="center"><td style="border-bottom: #000000 1px solid; font-size: 1pt;" valign="bottom" colspan="8" align="right">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>&nbsp; </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;">Average impaired loans: </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 18pt;">Purchased from SCC </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">230,150 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </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: 18pt;">All other </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">36,477 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">266,627 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">303,767 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </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;">Interest income on impaired loans: </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 18pt;">Purchased from SCC </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,556 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </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: 18pt;">All other </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">119 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,675 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,749 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </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;">Interest income on impaired loans recognized on a cash basis on non-accrual status: </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 18pt;">Purchased from SCC </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,498 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </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: 18pt;">All other </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">114 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,612 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,636 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="9">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="border-top: #000000 1px solid;" colspan="9">&nbsp; </td></tr></table> <table style="line-height: 115%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0"> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 46%; padding-right: 0.75pt; padding-top: 0.75pt;" width="46%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9%; padding-right: 0.75pt; padding-top: 0.75pt;" width="9%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 20%; padding-right: 0.75pt; padding-top: 0.75pt;" width="20%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 12%; padding-right: 0.75pt; padding-top: 0.75pt;" width="12%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 11%; padding-right: 0.75pt; padding-top: 0.75pt;" width="11%"> </td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Emerald Advance</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Tax Client</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Lines of Credit</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Receivables - RALs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Credit Quality Indicator &#8211; Year of origination:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">25,738</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 3.4pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2010</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,006</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">86</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2009</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">4,953</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2,124</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2008 and prior</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2,082</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,032</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Revolving loans</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">11,459</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 3.4pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">49,238</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">7,242</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr></table> <table style="line-height: 115%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0"> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 44%; padding-right: 0.75pt; padding-top: 0.75pt;" width="44%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 7%; padding-right: 0.75pt; padding-top: 0.75pt;" width="7%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 19%; padding-right: 0.75pt; padding-top: 0.75pt;" width="19%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2%; padding-right: 0.75pt; padding-top: 0.75pt;" width="2%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8%; padding-right: 0.75pt; padding-top: 0.75pt;" width="8%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 12%; padding-right: 0.75pt; padding-top: 0.75pt;" width="12%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2%; padding-right: 0.75pt; padding-top: 0.75pt;" width="2%"> </td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 7.5pt;" class="_mt">(in 000s)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">As of</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">July 31, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">April 30, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Business Services receivables</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">224,631</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">281,847</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Loans to franchisees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,313</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,181</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Receivables for tax preparation and related fees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">36,203</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">38,930</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Emerald Advance lines of credit</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">30,699</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">31,645</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Royalties from franchisees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">707</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">11,645</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Tax client receivables related to RALs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">1,971</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2,412</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Other</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">40,446</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">131,096</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">396,970</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">559,756</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Allowance for doubtful accounts</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(67,582</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(67,466</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">329,388</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">492,290</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr></table> <div class="MetaData"> <div> <div> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Seasonality of Business</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Our operating revenues are seasonal in nature with peak revenues occurring in the months of January through April. Therefore, results for interim periods are not indicative of results to be expected for the full year.</font></p></div></div></div> 117029000 2090000 114939000 207863000 7895000 199968000 8000000 3.37 14700000 13000000 1.00 1.00 9300000 4000000000 2900000000 6300000000 492290000 102011000 88000 390191000 329388000 224573000 104815000 458910000 275639000 618070000 522130000 677220000 694321000 11233000 12692000 812666000 808668000 24998000 67466000 63066000 4400000 67582000 62232000 5350000 92087000 69793000 11056000 11238000 91303000 10663000 70890000 9499000 10914000 80640000 -33000 -49000 13172000 6458000 6900000 7700000 14700000 14500000 5207961000 1682240000 -2699605000 2713256000 3512070000 4308052000 1404605000 -2478775000 2491222000 2891000000 2477731000 1667825000 <div class="MetaData"> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Basis of Presentation</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The condensed consolidated balance sheet as of July 31, 2011, the condensed consolidated statements of operations and comprehensive income (loss) for the three months ended July 31, 2011 and 2010, and the condensed consolidated statements of cash flows for the three months ended July 31, 2011 and 2010 have been prepared by the Company, without audit. In the opinion of management, all adjustments, which include only normal recurring adjustments, necessary to present fairly the financial position, results of operations and cash flows at July 31, 2011 and for all periods presented have been made.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">"H&amp;R Block," "the Company," "we," "our" and "us" are used interchangeably to refer to H&amp;R Block, Inc. or to H&amp;R Block, Inc. and its subsidiaries, as appropriate to the context.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the financial statements and notes thereto included in our April 30, 2011 Annual Report to Shareholders on Form 10-K. All amounts presented herein as of April 30, 2011 or for the year then ended, are derived from our April 30, 2011 Annual Report to Shareholders on Form 10-K.</font></p></div> 3800000 1400000 287500000 405000000 411062000 35019000 34813000 0.080 0.080 43773000 43516000 0.100 0.100 0.925 0.945 1804045000 702021000 -111000 1102135000 1098610000 604527000 -346000 494429000 1677844000 616238000 -50000 1061656000 1012709000 413141000 -27000 599595000 -705435000 -97494000 -235000 -607706000 -665135000 -203097000 23000 -462061000 <p style="text-align: left;"><b><font style="font-family: MalgunGothicBold,Arial,Helvetica,sans-serif;" class="_mt" size="2">11. Commitments and Contingencies</font></b></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Changes in deferred revenue balances related to our Peace of Mind (POM) program, the current portion of which is included in accounts payable, accrued expenses and other current liabilities and the long-term portion of which is included in other noncurrent liabilities in the condensed consolidated balance sheets, are as follows:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="43%"> </td> <td width="11%"> </td> <td width="15%"> </td> <td width="3%"> </td> <td width="9%"> </td> <td width="13%"> </td> <td width="3%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, beginning of period</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">140,603</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">141,542</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amounts deferred for new guarantees issued</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">654</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Revenue recognized on previous deferrals</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(27,181</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(28,547</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, end of period</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">113,975</font></td> <td style="border-bottom: #000000 3px double;" align="left">&nbsp;</td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">113,649</font></td> <td style="border-bottom: #000000 3px double;" align="left">&nbsp;</td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">In addition to amounts accrued for our POM guarantee, we had accrued $<font class="_mt">13.0</font> million and $<font class="_mt">14.7</font> million at July 31, 2011 and April 30, 2011, respectively, related to our standard guarantee which is included with our standard tax preparation services.</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The following table summarizes certain of our other contractual obligations and commitments:</font></p> <p style="text-align: right;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></p> <div> <div align="left"> <table border="0" cellspacing="0"> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Franchise Equity Lines of Credit &#8211; undrawn commitment</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">38,319</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">37,695</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Media advertising purchase obligation</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">9,690</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">9,498</font></td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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 totaling $<font class="_mt">1.4</font> million and $<font class="_mt">3.8</font> million as of July 31, 2011 and April 30, 2011, respectively. We have recorded liabilities totaling $<font class="_mt">10.2</font> million and $<font class="_mt">11.0</font> million as of July 31, 2011 and April 30, 2011, respectively, 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.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">We routinely enter into contracts that include embedded indemnifications that have characteristics similar to guarantees. Guarantees and indemnifications of the Company and its subsidiaries include obligations to protect counterparties from losses arising from the following: (1) tax, legal and other risks related to the purchase or disposition of businesses; (2) penalties and interest assessed by federal and state taxing authorities in connection with tax returns prepared for clients; (3) indemnification of our directors and officers; and (4) third-party claims relating to various arrangements in the normal course of business. Typically, there is no stated maximum payment related to these indemnifications, and the terms of the indemnities may vary and in many cases are limited only by the applicable statute of limitations. The likelihood of any claims being asserted against us and the ultimate liability related to any such claims, if any, is difficult to predict. While we cannot provide assurance we will ultimately prevail in the event any such claims are asserted, we believe the fair value of guarantees and indemnifications relating to our continuing operations is not material as of July 31, 2011.</font></p> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Variable Interests</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">We evaluated our financial interests in variable interest entities (VIEs) as of July 31, 2011 and determined that there have been no significant changes related to those financial interests. As of July 31, 2011, we believe RSM's maximum exposure to economic loss related to their shared office space with McGladrey &amp; Pullen, LLP from operating leases under the administrative services agreement totaled $<font class="_mt">95.2</font> million.</font></p> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Discontinued Operations</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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.</font></p> <div> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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 are as follows:</font></p> <div class="MetaData"> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="8%"> </td> <td width="5%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="2%"> </td> <td width="5%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="3%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="2%"> </td> <td width="3%"> </td> <td width="4%"> </td> <td width="4%"> </td> <td width="3%"> </td> <td width="6%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in millions)</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Fiscal Year</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td colspan="3" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Fiscal Year 2010</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Fiscal Year 2011</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td colspan="3" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Fiscal Year 2012</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2009</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q1</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q2</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q3</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q4</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q1</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q2</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q3</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q4</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Q1</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Total</font></td></tr> <tr valign="bottom"><td colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loan Origination Year:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2005</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">62</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">15</font></td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">6</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">1</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">1</font></td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">85</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2006</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">217</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">57</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">4</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">45</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">100</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">15</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">29</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">50</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">29</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">548</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2007</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">153</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">4</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">11</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">7</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">-</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">3</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">5</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">4</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">4</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">2</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">193</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Total</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">432</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">6</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">83</font></td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">11</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">45</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">109</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">21</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">33</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">55</font></td> <td style="border-bottom: #000000 1px solid; text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">31</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">826</font></td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Note: The table above excludes amounts related to an indemnity agreement dated April 2008, which is discussed below.</font></p></div> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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">85</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 July 31, 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 condensed consolidated balance sheets. The net balance of all mortgage loans held for sale by SCC was $<font class="_mt">11.9</font> million at July 31, 2011.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">SCC generally has&nbsp;<font class="_mt">60</font> to&nbsp;<font class="_mt">120</font> days to respond to representation and warranty claims and performs a loan-by-loan 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">66</font> million, which remained subject to review as of July 31, 2011. Of the claims still subject to review, approximately $<font class="_mt">52</font> million are from private-label securitizations, and $<font class="_mt">14</font> million are from monoline insurers. Approximately $<font class="_mt">8</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.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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 July 31, 2011.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">SCC has recorded a liability for estimated contingent losses related to representation and warranty claims as of July 31, 2011, of $125.8 million, which represents SCC's best estimate of the probable loss that may occur. During the prior 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 <font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">mortgage servicing business in 2008. We have no remaining payment obligations under this indemnity agreement.</font></font></p> <div> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" color="#1f497d" size="2"><font class="_mt"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" color="#1f497d" size="2">16</font></font> </font><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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.</font></p> <div> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">A rollforward of our liability for losses on repurchases for the three months ended July 31, 2011 and 2010 is as follows:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="53%"> </td> <td width="8%"> </td> <td width="13%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="10%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance at beginning of period:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount related to repurchase and indemnifications</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">126,260</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">138,415</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount related to indemnity agreement dated April 2008</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">49,785</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">126,260</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,200</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Changes:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Provisions</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Losses on repurchase and indemnifications</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(485</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Payments under indemnity agreement dated April 2008</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(70</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr><td colspan="7">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance at end of period:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount related to repurchase and indemnifications</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">125,775</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">138,415</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount related to indemnity agreement dated April 2008</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">49,715</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">125,775</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,130</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr></table></div></div></div></div></div> <table border="0" cellspacing="0"> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Franchise Equity Lines of Credit &#8211; undrawn commitment</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">38,319</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">37,695</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Media advertising purchase obligation</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">9,690</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">9,498</font></td></tr></table> 0.15 0.15 0.01 0.01 800000000 800000000 412440599 412440559 4124000 4124000 -135007000 -173639000 0.63 <div> <p style="font-family: 'Times New Roman','serif'; margin-left: 0in; font-size: 12pt; margin-right: 0in;"><b><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">15. Condensed Consolidating Financial Statements</font></b></p> <p style="font-family: 'Times New Roman','serif'; margin-left: 0in; font-size: 12pt; margin-right: 0in;"><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">Block Financial LLC (BFC) is an indirect, wholly-owned consolidated subsidiary of the Company. BFC is the Issuer and the Company is the Guarantor of the Senior Notes issued on January 11, 2008 and October 26, 2004, our CLOCs and other indebtedness issued from time to time. These condensed consolidating financial statements have been prepared using the equity method of accounting. Earnings of subsidiaries are, therefore, reflected in the Company's investment in subsidiaries account. The elimination entries eliminate investments in subsidiaries, related stockholders' equity and other intercompany balances and transactions.</font></p> <div class="MetaData"> <table style="line-height: 115%; width: 100%; border-collapse: collapse; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <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></tr> <tr style="height: 15.75pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 43.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="43%" colspan="6"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><i><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Condensed Consolidating Statements of Operations</font></i></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 7.5pt;" class="_mt">(in 000s)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 39pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Three months ended</font></p></td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.84%; padding-right: 5.4pt; height: 39pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%" colspan="2"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">H&amp;R Block, Inc.</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">BFC</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Other</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Consolidated</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 27pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">July 31, 2011</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.84%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%" colspan="2"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(Guarantor)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(Issuer)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Subsidiaries</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Elims</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">H&amp;R Block</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Total revenues</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">21,773</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">245,861</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">267,634</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 26.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Cost of revenues</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">37,662</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">319,338</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">357,000</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 25.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 17.28%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="17%" colspan="2"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Selling, general and administrative</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">7,895</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">199,968</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">207,863</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Total expenses</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">45,557</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">519,306</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">564,863</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 26.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Operating loss</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(23,784</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(273,445</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(297,229</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 52.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 52.5pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Other income (expense), net</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(293,142</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">3,281</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">806</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">293,142</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">4,087</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 52.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 39pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Loss from continuing</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="10%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="13%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="14%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 39pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 51.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">operations before tax benefit</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(293,142</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(20,503</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(272,639</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">293,142</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(293,142</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 51.75pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Income tax benefit</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(119,699</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(1,850</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(117,849</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">119,699</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(119,699</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 25.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss from continuing operations </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="10%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(173,443</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="color: black;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(18,653</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(154,790</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">173,443</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(173,443</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss from discontinued</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="10%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="13%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="14%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">operations</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(1,655</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(1,637</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(18</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">1,655</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(1,655</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 13.86%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="13%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 10.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(175,098</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.28%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(20,290</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 13.52%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="13%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(154,808</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.74%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">175,098</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.42%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 14.32%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="14%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(175,098</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.94%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr></table> <p style="line-height: 115%; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p> <table style="line-height: 115%; width: 100%; border-collapse: collapse; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%"> <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></tr> <tr style="height: 26.25pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Three months ended</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.38%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="12%" colspan="2"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">H&amp;R Block, Inc.</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">BFC</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Other</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="8%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Consolidated</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 26.25pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 27pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">July 31, 2010</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.38%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%" colspan="2"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(Guarantor)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(Issuer)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Subsidiaries</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Elims</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">H&amp;R Block</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 27pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Total revenues</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; text-indent: 3.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">21,000</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">253,474</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">274,474</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Cost of revenues</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">39,028</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">328,988</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">368,016</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 25.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Selling, general and administrative</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; text-indent: 4.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">2,090</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">114,939</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">117,029</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Total expenses</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; text-indent: 4.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">41,118</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">443,927</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">485,045</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Operating loss</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(20,118</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(190,453</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">-</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(210,571</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Other income (expense), net</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(207,317</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; text-indent: 4.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">382</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">2,872</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">207,317</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">3,254</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Loss from continuing</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">operations before tax benefit</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(207,317</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(19,736</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(187,581</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">207,317</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(207,317</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Income tax benefit</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(79,679</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(7,841</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(71,838</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">79,679</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(79,679</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 25.5pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss from continuing operations </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="9%"> <p style="line-height: normal; text-indent: 1.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(127,638</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="color: black;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(11,895</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(115,743</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">127,638</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(127,638</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 25.5pt; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss from discontinued</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="9%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="8%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="3%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="12%"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" width="2%"> </td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; text-indent: 0.75pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">operations</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(3,043</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; text-indent: 4.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(3,004</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(39</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">3,043</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(3,043</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr> <tr style="height: 15.75pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 22.82%; padding-right: 5.4pt; height: 15.75pt; padding-top: 0in;" valign="bottom" width="22%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">Net loss</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 9.34%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(130,681</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; text-indent: 4.5pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.46%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(14,899</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.12%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(115,782</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 8.72%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">130,681</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 3.04%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="3%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 12.84%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="12%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">(130,681</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; width: 2.62%; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;" class="_mt">)</font></p></td></tr></table></div> <p style="line-height: 115%; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p> <div class="MetaData" align="left"> <table border="0" cellspacing="0"> <tr><td width="22%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="4%">&nbsp;</td> <td width="9%">&nbsp;</td> <td style="width: 202px;" width="2%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="8%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" colspan="4" align="left"><i><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Condensed Consolidating Balance Sheets</font></i></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block, Inc.</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 5px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">BFC</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Consolidated</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Guarantor)</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Issuer)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Subsidiaries</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Elims</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &amp; cash equivalents</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">413,141</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">599,595</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(27</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,012,709</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &amp; cash equivalents &#8211; restricted</font></td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">849</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">43,553</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,402</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Receivables, net</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">224,573</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">104,815</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">329,388</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans held for investment</font></td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">466,663</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">466,663</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Intangible assets and goodwill, net</font></td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,102,646</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,102,646</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Investments in subsidiaries</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,478,748</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">94</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,478,748</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">94</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other assets</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">12,474</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">299,379</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,040,297</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,352,150</font></td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total assets</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid; text-indent: 2px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,491,222</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,404,605</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,891,000</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,478,775</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">4,308,052</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer deposits</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">666,295</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(27</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">666,268</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Long-term debt</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">999,055</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">20,376</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,019,431</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">FHLB borrowings</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">25,000</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">25,000</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other liabilities</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 6px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">214</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(132,742</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,496,004</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,363,476</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,257,131</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">40,201</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1,297,332</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Stockholders' equity</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,233,877</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(193,204</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,671,952</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,478,748</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,233,877</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total liabilities and</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">stockholders' equity</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid; text-indent: 2px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,491,222</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,404,605</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,891,000</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,478,775</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">4,308,052</font></td></tr></table> <p style="margin: 0px;">&nbsp;</p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="22%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="8%">&nbsp;</td> <td width="6%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="8%">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block, Inc.</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 5px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">BFC</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Consolidated</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Guarantor)</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Issuer)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Subsidiaries</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Elims</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &amp; cash equivalents</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">616,238</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,061,656</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(50</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,677,844</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &amp; cash equivalents &#8211; restricted</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">9,522</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">38,861</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">48,383</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Receivables, net</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">88</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">102,011</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">390,191</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">492,290</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans held for investment, net</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">485,008</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">485,008</font></td></tr> <tr valign="bottom"><td colspan="3" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Intangible assets and goodwill, net</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,214,164</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,214,164</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Investments in subsidiaries</font></td> <td align="right">&nbsp;</td> <td colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,699,555</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,699,555</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other assets</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">13,613</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">469,461</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">807,166</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,290,240</font></td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total assets</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,713,256</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,682,240</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,512,070</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,699,605</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,207,961</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer deposits</font></td> <td align="right">&nbsp;</td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">852,270</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(50</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">852,220</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Long-term debt</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">998,965</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">50,789</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,049,754</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">FHLB borrowings</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">25,000</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">25,000</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other liabilities</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">178</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(26,769</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,858,004</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,831,413</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="right">&nbsp;</td> <td colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,263,504</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">24,173</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1,287,677</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Stockholders' equity</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,449,574</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(191,399</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,890,954</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,699,555</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,449,574</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total liabilities and</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">stockholders' equity</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,713,256</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,682,240</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,512,070</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,699,605</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,207,961</font></td></tr></table></div></div> <p style="margin: 0px;">&nbsp;</p> <div class="MetaData"> <div align="left"> <table border="0" cellspacing="0"> <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></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" colspan="6" align="left"><i><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Condensed Consolidating Statements of Cash Flows</font></i></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended</font></td> <td colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block, Inc.</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">BFC</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Consolidated</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Guarantor)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Issuer)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Subsidiaries</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Elims</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash provided by (used in)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">operating activities:</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,048</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(22,900</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(373,697</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(394,549</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash flows from investing:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchases of available-for-sale securities</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(39,275</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(39,275</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans originated for</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">investment, net</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,192</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,192</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchase property &amp; equipment</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(54</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(10,899</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(10,953</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Payments made for business</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">acquisitions, net</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,457</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,457</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Proceeds from sale of businesses, net</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,230</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,230</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loans made to franchisees</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(16,477</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(16,477</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Repayments from franchisees</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,320</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,320</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,084</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(44,084</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other, net</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">12,031</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,136</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">18,167</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash provided by (used in)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">investing activities</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,084</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(27,263</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">13,010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(44,084</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(14,253</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash flows from financing:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer banking deposits</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(186,268</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(186,245</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Dividends paid</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(45,894</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(45,894</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Repurchase of common stock</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,002</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,002</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Proceeds from exercise of</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">stock options</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,762</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,762</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">33,312</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(77,396</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,084</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other, net</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">22</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(24,940</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(24,916</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash used in financing activities</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(46,132</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(152,934</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(102,336</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,107</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(257,295</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Effects of exchange rates on cash</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">962</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">962</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net decrease in cash</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(203,097</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(462,061</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(665,135</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &#8211; beginning of period</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">616,238</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,061,656</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(50</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,677,844</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &#8211; end of period</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">413,141</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">599,595</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(27</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,012,709</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="margin: 0px;">&nbsp;</p> <div> <div align="left"> <table border="0" cellspacing="0"> <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></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended</font></td> <td colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block, Inc.</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">BFC</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Consolidated</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2010</font></td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Guarantor)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(Issuer)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Subsidiaries</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Elims</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">H&amp;R Block</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash provided by (used in)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">operating activities:</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">22,849</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(43,301</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(327,799</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(348,251</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash flows from investing:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans originated for</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">investment, net</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">17,618</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">17,618</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchase property &amp; equipment</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(8,634</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(8,634</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Payments made for business</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">acquisitions, net</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(33,226</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(33,226</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Proceeds from sale of businesses, net</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">26,387</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">26,387</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loans made to franchisees</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(33,720</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(33,720</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Repayments from franchisees</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,724</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,724</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,324</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(188,324</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other, net</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">40,668</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(21,820</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">18,848</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash provided by (used in)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">investing activities</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,324</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">31,290</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(37,293</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(188,324</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(6,003</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash flows from financing:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer banking deposits</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(121,166</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(235</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(121,401</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Dividends paid</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(48,692</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(48,692</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Repurchase of common stock</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(164,369</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(164,369</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Proceeds from exercise of</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">stock options</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,500</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,500</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net intercompany advances</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">35,507</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(223,831</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,324</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other, net</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">388</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">176</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(16,551</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(15,987</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net cash used in financing activities</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(211,173</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(85,483</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(240,382</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">188,089</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(348,949</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Effects of exchange rates on cash</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,232</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,232</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net decrease in cash</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(97,494</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(607,706</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(235</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(705,435</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &#8211; beginning of period</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">702,021</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,102,135</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(111</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,804,045</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Cash &#8211; end of period</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">604,527</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">494,429</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(346</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,098,610</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr></table></div></div></div></div> <div> </div> 368016000 39028000 328988000 357000000 37662000 319338000 485045000 41118000 443927000 564863000 45557000 519306000 852220000 852270000 -50000 666268000 666295000 -27000 3437000 30940000 141542000 113649000 140603000 113975000 654000 553000 <table border="0" cellspacing="0"> <tr><td width="43%"> </td> <td width="11%"> </td> <td width="15%"> </td> <td width="3%"> </td> <td width="9%"> </td> <td width="13%"> </td> <td width="3%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, beginning of period</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">140,603</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">141,542</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amounts deferred for new guarantees issued</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">654</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Revenue recognized on previous deferrals</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(27,181</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(28,547</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, end of period</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">113,975</font></td> <td style="border-bottom: #000000 3px double;" align="left">&nbsp;</td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">113,649</font></td> <td style="border-bottom: #000000 3px double;" align="left">&nbsp;</td></tr></table> -28547000 -27181000 678071000 23065000 21048000 -0.41 -0.57 <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">3. Loss Per Share and Stockholders' Equity</font></b><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p> <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">Basic and diluted loss per share is computed using the two-class method. The two-class method is an earnings allocation formula that determines net income per share for each class of common stock and participating security according to dividends declared and participation rights in undistributed earnings. Per share amounts are computed by dividing net income from continuing operations attributable to common shareholders by the weighted average shares outstanding during each period. The dilutive effect of potential common shares is included in diluted earnings per share except in those periods with a loss from continuing operations. Diluted earnings per share excludes the impact of shares of common stock issuable upon the lapse of certain restrictions or the exercise of options to purchase&nbsp;<font class="_mt">14.5</font> million shares and&nbsp;<font class="_mt">14.7</font> million shares for the three months ended July 31, 2011 and 2010, respectively, as the effect would be antidilutive due to the net loss from continuing operations during each period.</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p><a name="page_10"> </a> <div><font style="widows: 2; text-transform: none; background-color: rgb(255,255,255); text-indent: 0px; font: medium 'Times New Roman'; white-space: normal; orphans: 2; letter-spacing: normal; color: rgb(0,0,0); word-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px;" class="_mt"> </font> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The computations of basic and diluted loss per share from continuing operations are as follows:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="57%"> </td> <td width="7%"> </td> <td width="13%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="9%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s, except per share amounts)</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net loss from continuing operations attributable to shareholders</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(173,443</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(127,638</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amounts allocated to participating securities (nonvested shares)</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(114</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(20</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net loss from continuing operations attributable to common shareholders$</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(173,557</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(127,658</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Basic weighted average common shares</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">305,491</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">319,690</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Potential dilutive shares</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Dilutive weighted average common shares</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">305,491</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">319,690</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loss per share from continuing operations:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Basic</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(0.57</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(0.40</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Diluted</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(0.57</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(0.40</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr></table></div></div><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font> <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font>&nbsp;</p> <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">The weighted average shares outstanding for the three months ended July 31, 2011 decreased to 305.5 million from 319.7 million for the three months ended July 31, 2010 primarily due to share repurchases completed in the prior year. During the three months ended July 31, 2010, we purchased and immediately retired&nbsp;<font class="_mt">15.5</font> million shares of our common stock at a cost of $<font class="_mt">235.7</font> million.</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p> <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">During the three months ended July 31, 2011 and 2010, we issued&nbsp;<font class="_mt">0.5</font> million and&nbsp;<font class="_mt">0.9</font> million shares of common stock, respectively, due to the exercise of stock options, employee stock purchases and vesting of nonvested shares.</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p> <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">During the three months ended July 31, 2011, we acquired&nbsp;<font class="_mt">0.1</font> million shares of our common stock at an aggregate cost of $<font class="_mt">2.0</font> million, and during the three months ended July 31, 2010, we acquired&nbsp;<font class="_mt">0.2</font> million shares at an aggregate cost of $<font class="_mt">3.4</font> million. Shares acquired during these periods represented shares swapped or surrendered to us in connection with the vesting of nonvested shares and the exercise of stock options.</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p><font style="line-height: 115%; font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font style="line-height: 115%; font-family: 'Century','serif'; font-size: 10pt;" class="_mt">During the three months ended July 31, 2011, we granted&nbsp;<font class="_mt">2.3</font> million stock options and&nbsp;<font class="_mt">0.9</font> million nonvested shares and units in accordance with our stock-based compensation plans. The weighted average fair value of options granted was $<font class="_mt">3.37</font> for management options. These awards vest over a three year period with one-third vesting each year. Stock-based compensation expense of our continuing operations totaled $<font class="_mt">4.1</font> million and $<font class="_mt">3.4</font> million for the three months ended July 31, 2011 and 2010, respectively. At July 31, 2011, unrecognized compensation cost for options totaled $<font class="_mt">9.6</font> million, and for nonvested shares and units totaled $<font class="_mt">22.5</font> million.</font> -2232000 -2232000 962000 962000 257038000 83257000 22500000 32000 -2699555000 2699555000 32000 94000 -2478748000 2478748000 94000 <table border="0" cellspacing="0"> <tr><td width="38%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="19%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="7%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Carrying</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Estimated</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Fair Value</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans held for investment</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">466,663</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">282,546</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Deposits</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">678,071</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">678,352</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Long-term borrowings</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,050,371</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,105,686</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">FHLB advances</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">25,000</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">24,998</font></td> <td align="left">&nbsp;</td></tr></table> <div align="left"> <div> <p style="text-align: left;"><b><font style="font-family: MalgunGothicBold,Arial,Helvetica,sans-serif;" class="_mt" size="2">6. Assets and Liabilities Measured at Fair Value</font></b></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">We use the following valuation methodologies for assets and liabilities measured at fair value and the general classification of these instruments pursuant to the fair value hierarchy.</font></p> <table border="0" cellspacing="0"> <tr><td valign="top" width="2%" nowrap="nowrap"><font style="font-family: Wingdings-Regular,WingDings;" class="_mt" size="2">&#167;</font>&nbsp; &nbsp; &nbsp; </td> <td width="98%"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Available-for-sale securities &#8211; Available-for-sale securities are carried at fair value on a recurring basis. When available, fair value is based on quoted prices in an active market and as such, would be classified as Level 1. If quoted market prices are not available, we use a third-party pricing service to determine fair value and classify the securities as Level 2. The service's pricing model is based on market data and utilizes available trade, bid and other market information. Available-for-sale securities that we classify as Level 2 include certain agency and non-agency mortgage-backed securities, U.S. states and political subdivisions debt securities and other debt and equity securities.</font> </td></tr> <tr><td valign="top" width="2%" nowrap="nowrap"><font style="font-family: Wingdings-Regular,WingDings;" class="_mt" size="2">&#167;</font>&nbsp; &nbsp; &nbsp; </td> <td width="98%"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Real estate owned &#8211; REO includes foreclosed properties securing mortgage loans. Foreclosed assets are adjusted to fair value less costs to sell upon transfer of the loans to REO. Fair value is generally based on independent market prices or appraised values of the collateral.</font> </td></tr> <tr><td width="10%">&nbsp;</td> <td width="90%"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Subsequent holding period losses and losses arising from the sale of REO are expensed as incurred. Because our REO is valued based on significant inputs that are unobservable in the market and our own estimates of assumptions that we believe market participants would use in pricing the asset, these assets are classified as Level 3.</font> </td></tr> <tr><td valign="top" width="2%" nowrap="nowrap"><font style="font-family: Wingdings-Regular,WingDings;" class="_mt" size="2">&#167;</font>&nbsp; &nbsp; &nbsp; </td> <td width="98%"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Impaired mortgage loans held for investment &#8211; The fair value of impaired mortgage loans held for investment is generally based on the net present value of discounted cash flows for TDR loans or the appraised value of the underlying collateral for all other loans. These loans are classified as Level 3.</font> </td></tr></table>&nbsp;<a name="page_18"> </a><br /> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The following table presents for each hierarchy level the assets that were remeasured at fair value on both a recurring and non-recurring basis during the three months ended July 31, 2011 and 2010 and the gains (losses) on those remeasurements:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="25%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="5%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="6%">&nbsp;</td> <td width="4%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="4%">&nbsp;</td> <td width="8%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="6%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="6%">&nbsp;</td> <td width="2%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(dollars in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total</font></td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Level 1</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Level 2</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Level 3</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Gain (loss)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of July 31, 2011:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Recurring:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage-backed securities $</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">192,491</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">192,491</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,936</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Municipal bonds</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,758</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,758</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">449</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Non-recurring:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">REO</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,446</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,446</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(482</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Impaired mortgage loans</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">held for investment</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">61,997</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">61,997</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1,473</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid; text-indent: 36px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">265,692</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">200,249</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">65,443</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">430</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr><td colspan="14">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As a percentage of total assets</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6.2</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">4.7</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1.5</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of July 31, 2010: </font>^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1)</font>}</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Recurring:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage-backed securities $</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,893</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,893</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(20</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Municipal bonds</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,981</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,981</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">566</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Trust preferred security</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1,618</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Non-recurring:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">REO</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,321</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,321</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(589</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Impaired mortgage loans</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">held for investment</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">69,467</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">69,467</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,227</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid; text-indent: 36px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">103,694</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">30,906</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">72,788</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,888</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr><td colspan="14">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As a percentage of total assets</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2.3</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">0.7</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1.6</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <table class="MetaData" border="0" cellspacing="0"> <tr><td valign="top" width="2%" nowrap="nowrap">^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(1)</font>}&nbsp; &nbsp; &nbsp; </td> <td class="MetaData" width="98%"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Amounts have been restated to conform to the current period presentation.</font> </td></tr></table> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">There were no changes to the unobservable inputs used in determining the fair values of our level 2 and level 3 financial assets.</font></p> <p><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The following methods were used to determine the fair values of our other financial instruments:</font><font style="font-family: Wingdings-Regular,WingDings;" class="_mt" size="2">&#167; </font><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Cash equivalents, accounts receivable, investment in FHLB stock, accounts payable, accrued liabilities, commercial paper borrowings and the current portion of long-term debt &#8211; The carrying values reported in the balance sheet for these items approximate fair market value due to the relative short-term nature of the respective instruments.</font></p> <p><font style="font-family: Wingdings-Regular,WingDings;" class="_mt" size="2">&#167; </font><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Mortgage loans held for investment &#8211; The fair value of mortgage loans held for investment is generally determined using market pricing sources based on origination channel and performance characteristics.</font></p> <p><font style="font-family: Wingdings-Regular,WingDings;" class="_mt" size="2">&#167; </font><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Deposits &#8211; The estimated fair value of demand deposits is the amount payable on demand at the reporting date. The estimated fair value of IRAs and other time deposits is estimated by discounting the future cash flows using the rates currently offered by HRB Bank for products with similar remaining maturities.</font></p> <p><font style="font-family: Wingdings-Regular,WingDings;" class="_mt" size="2">&#167; </font><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Long-term borrowings and FHLB borrowings &#8211; The fair value of borrowings is based on rates currently available to us for obligations with similar terms and maturities, including current market yields on our Senior Notes.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The carrying amounts and estimated fair values of our financial instruments at July 31, 2011 are as follows:</font><a name="page_19"> </a><br /></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="38%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="19%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="7%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Carrying</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Estimated</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Fair Value</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans held for investment</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">466,663</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">282,546</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Deposits</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">678,071</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">678,352</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Long-term borrowings</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,050,371</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,105,686</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">FHLB advances</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">25,000</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">24,998</font></td> <td align="left">&nbsp;</td></tr></table></div></div></div> <div align="left"> <table border="0" cellspacing="0"> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"> </td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(dollars in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total</font></td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Level 1</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Level 2</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Level 3</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Gain (loss)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of July 31, 2011:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Recurring:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage-backed securities $</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">192,491</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">192,491</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,936</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Municipal bonds</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,758</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,758</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">449</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Non-recurring:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">REO</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,446</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,446</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(482</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Impaired mortgage loans</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">held for investment</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">61,997</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">61,997</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1,473</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid; text-indent: 36px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">265,692</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">200,249</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">65,443</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">430</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr><td colspan="14">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As a percentage of total assets</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6.2</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">4.7</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1.5</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of July 31, 2010: </font>^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1)</font>}</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Recurring:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage-backed securities $</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,893</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,893</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(20</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Municipal bonds</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,981</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,981</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">566</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Trust preferred security</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1,618</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Non-recurring:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">REO</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,321</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,321</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(589</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Impaired mortgage loans</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">held for investment</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">69,467</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">69,467</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,227</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid; text-indent: 36px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">103,694</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">30,906</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">72,788</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,888</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr><td colspan="14">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As a percentage of total assets</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2.3</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">0.7</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1.6</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <table border="0" cellspacing="0"> <tr><td valign="top" width="2%" nowrap="nowrap">^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(1)</font>}&nbsp; &nbsp; &nbsp; </td> <td width="98%"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">Amounts have been restated to conform to the current period presentation.</font> </td></tr></table> 25000000 25000000 25000000 25000000 25000000 25000000 103694000 30906000 72788000 265692000 200249000 65443000 3178000 329000 2849000 3945000 178000 3767000 160642000 165186000 246480000 318000 8505000 9961000 2600000 600000 4868000 128738000 41076000 3093000 24662000 22059000 248275000 424000 9070000 10991000 2600000 650000 4868000 125848000 43031000 3414000 25101000 22278000 614399000 7629000 14700000 214330000 2600000 1325000 55637000 152079000 87624000 19201000 35818000 23456000 608310000 7629000 14700000 214330000 2600000 1325000 55637000 147208000 86678000 19201000 35551000 23451000 367919000 7311000 6195000 204369000 725000 50769000 23341000 46548000 16108000 11156000 1397000 360035000 7205000 5630000 203339000 675000 50769000 21360000 43647000 15787000 10450000 1173000 27100000 13000000 22700000 14400000 19200000 -1618000 -20000 566000 1936000 449000 117000000 846245000 412094000 434151000 742611000 304870000 437741000 3512000 34000 3478000 14300000 85400000 <p style="text-align: left;"><b><font style="font-family: MalgunGothicBold,Arial,Helvetica,sans-serif;" class="_mt" size="2">7. Goodwill and Intangible Assets</font></b></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Changes in the carrying amount of goodwill for the three months ended July 31, 2011 consist of the following:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="28%"> </td> <td width="5%"> </td> <td width="15%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="13%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="13%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Tax Services</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Business Services</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance at April 30, 2011:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Goodwill</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">459,039</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">427,094</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">886,133</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Accumulated impairment losses</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(24,888</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(15,000</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(39,888</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">434,151</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">412,094</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">846,245</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Changes:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Acquisitions</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,478</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">34</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,512</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Disposals and foreign currency changes</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">112</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(7,561</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(7,449</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Impairments</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(99,697</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(99,697</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr><td colspan="10">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance at July 31, 2011:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Goodwill</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">462,629</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">419,567</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">882,196</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Accumulated impairment losses</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(24,888</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(114,697</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(139,585</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">437,741</font></td> <td style="border-bottom: #000000 3px double;" align="left">&nbsp;</td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">304,870</font></td> <td style="border-bottom: #000000 3px double;" align="left">&nbsp;</td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">742,611</font></td> <td style="border-bottom: #000000 3px double;" align="left">&nbsp;</td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">We test goodwill and other indefinite-life intangible assets for impairment annually or more frequently if events occur or circumstances change which would, more likely than not, reduce the fair value of a reporting unit below its carrying value. In August 2011, our Board of Directors approved a non-binding letter of intent to sell substantially all assets of RSM to M&amp;P. The sale is dependent on, among other factors, the ability of M&amp;P to raise financing for the purchase. In conjunction with this sale, we are also evaluating strategic alternatives for EquiCo. Both of these businesses are separate reporting units within the Business Services segment.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">These decisions triggered an interim review of the goodwill for our RSM and EquiCo reporting units. The fair values of both reporting units were reviewed based on expected sale prices in the market compared to book value. As a result of that review, we recorded a goodwill impairment of $<font class="_mt">85.4</font> million related to our RSM reporting unit, leaving a remaining goodwill balance of approximately $<font class="_mt">304.9</font> million. We have also recorded a goodwill impairment of $<font class="_mt">14.3</font> million related to our EquiCo reporting unit, leaving no remaining goodwill balance.</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Intangible assets consist of the following:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="19%"> </td> <td width="3%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="1%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="12%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="8%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Gross</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Gross</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Carrying</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Accumulated</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Carrying Accumulated</font></td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount Amortization</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount Amortization</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Tax Services:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer relationships</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">86,678</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(43,031</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">43,647</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">87,624</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(41,076</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">46,548</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Noncompete agreements</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23,451</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(22,278</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,173</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23,456</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(22,059</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,397</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Reacquired franchise rights</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">214,330</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(10,991</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">203,339</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">214,330</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(9,961</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">204,369</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Franchise agreements</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">19,201</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,414</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">15,787</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">19,201</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,093</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">16,108</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased technology</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">14,700</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(9,070</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,630</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">14,700</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(8,505</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,195</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Trade name</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,325</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(650</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">675</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,325</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(600</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">725</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Business Services:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer relationships</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">147,208</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(125,848</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,360</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">152,079</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(128,738</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23,341</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Noncompete agreements</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">35,551</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(25,101</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,450</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">35,818</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(24,662</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,156</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Attest firm affiliation</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,629</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(424</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,205</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,629</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(318</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,311</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Trade name &#8211; amortizing</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,600</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,600</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,600</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,600</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Trade name &#8211; non-amortizing</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">55,637</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(4,868</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">50,769</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">55,637</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(4,868</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">50,769</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">608,310</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(248,275</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">) $</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">360,035</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">614,399</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(246,480</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">367,919</font></td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Amortization of intangible assets for the three months ended July 31, 2011 and 2010 was $<font class="_mt">7.7</font> and $<font class="_mt">6.9</font> million respectively. Estimated amortization of intangible assets for fiscal years 2012 through 2016 is $<font class="_mt">27.1</font> million, $<font class="_mt">22.7</font> million, $<font class="_mt">19.2</font> million, $<font class="_mt">14.4</font> million and $<font class="_mt">13.0</font> million, respectively.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">In connection with a prior acquisition, we have a liability related to unfavorable operating lease terms in the amount of $<font class="_mt">5.9</font> million, which will be amortized over the remaining contractual life of the operating lease. The net balance was $<font class="_mt">5.3</font> million at July 31, 2011.</font></p> 886133000 427094000 459039000 882196000 419567000 462629000 39888000 15000000 24888000 139585000 114697000 24888000 99697000 99697000 303767000 266627000 36477000 230150000 1749000 1675000 119000 1556000 1636000 1612000 114000 1498000 80849000 9116000 71733000 80389000 9425000 70964000 268649000 36588000 209414000 59235000 232061000 29027000 7561000 180387000 51674000 263229000 35654000 208448000 54781000 227575000 27954000 7700000 180494000 47081000 -207317000 -19736000 -433000 -32260000 -174624000 207317000 -207317000 -187581000 -293142000 -20503000 -92541000 -31118000 -169483000 293142000 -293142000 -272639000 -127638000 -11895000 127638000 -127638000 -115743000 -173443000 -18653000 173443000 -173443000 -154790000 -0.40 -0.57 -0.40 -0.57 -0.40 -0.57 -3043000 -3004000 3043000 -3043000 -39000 -1655000 -1637000 1655000 -1655000 -18000 -0.01 <p style="text-align: left;"><b><font style="font-family: MalgunGothicBold,Arial,Helvetica,sans-serif;" class="_mt" size="2">8. Income Taxes</font></b></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">We file a consolidated federal income tax return in the United States and file tax returns in various state and foreign jurisdictions. The U.S. Federal consolidated tax returns for the years 1999 through 2009 are currently under examination by the Internal Revenue Service, with the 1999-2005 years currently at the appellate level. Federal returns for tax years prior to 1999 are closed by statute. Historically, tax returns in various foreign and state jurisdictions are examined and settled upon completion of the exam.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">During the three months ended July 31, 2011, we reduced our gross interest and penalties accrued by $<font class="_mt">3.1</font> million related to our uncertain tax positions due to statute of limitations expirations and settlements made with various taxing authorities. We had gross unrecognized tax benefits of $<font class="_mt">145.5</font> million and $<font class="_mt">154.8</font> million at July 31, 2011 and April 30, 2011, respectively. The gross unrecognized tax benefits decreased $<font class="_mt">9.3</font> million net in the current year, due to statute of limitations expirations and settlements with taxing authorities, partially offset by accruals of tax and interest on positions related to prior years. Except as noted below, we have classified the liability for unrecognized tax benefits, including corresponding accrued interest, as long-term at July 31, 2011, and included this amount in other noncurrent liabilities on the condensed consolidated balance sheet.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Based upon the expiration of statutes of limitations, payments of tax and other factors in several jurisdictions, we believe it is reasonably possible that the gross amount of reserves for previously </font><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">unrecognized tax benefits may decrease by $<font class="_mt">16.9</font> million within twelve months of July 31, 2011. This portion of our liability for unrecognized tax benefits has been classified as current and is included in accounts payable, accrued expenses and other current liabilities on the condensed consolidated balance sheets.</font></p> 64651000 99357000 -79679000 -7841000 79679000 -79679000 -71838000 -119699000 -1850000 119699000 -119699000 -117849000 -121401000 -186245000 -121401000 -121166000 -235000 -186245000 -186268000 23000 367919000 360035000 22962000 20643000 1923000 396000 23301000 21494000 1656000 151000 10302000 6323000 3979000 10433000 5661000 4772000 27265000 37634000 32000 21893000 8981000 32000 21893000 8981000 192491000 7758000 192491000 7758000 3758387000 3074175000 5207961000 1682240000 -2699605000 2713256000 3512070000 4308052000 1404605000 -2478775000 2491222000 2891000000 2214675000 1603234000 9800000 93535000 88396000 92087000 91303000 49238000 7242000 25738000 5006000 2082000 4953000 11459000 86000 5032000 2124000 572974000 162321000 106328000 304325000 553991000 207296000 342694000 256519000 32858000 44548000 220066000 167812000 95417000 144288000 206939000 202764000 46430000 154246000 177600000 376391000 290762000 346695000 10621000 211297000 150972000 22411000 12745000 21168000 357000 206939000 75164000 132132000 174612000 168082000 10470000 35960000 20479000 133767000 105547000 10447000 31803000 198898000 143931000 202764000 102436000 244259000 1735000 8886000 32684000 178613000 46800000 44600000 485008000 485008000 466663000 466663000 <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><b><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">4. Receivables</font></b><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p> <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">Our short-term receivables consist of the following:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p> <table style="line-height: 115%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0"> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 44%; padding-right: 0.75pt; padding-top: 0.75pt;" width="44%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 7%; padding-right: 0.75pt; padding-top: 0.75pt;" width="7%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 19%; padding-right: 0.75pt; padding-top: 0.75pt;" width="19%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2%; padding-right: 0.75pt; padding-top: 0.75pt;" width="2%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8%; padding-right: 0.75pt; padding-top: 0.75pt;" width="8%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 12%; padding-right: 0.75pt; padding-top: 0.75pt;" width="12%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2%; padding-right: 0.75pt; padding-top: 0.75pt;" width="2%"> </td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 7.5pt;" class="_mt">(in 000s)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">As of</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">July 31, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">April 30, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Business Services receivables</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">224,631</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">281,847</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Loans to franchisees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,313</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,181</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Receivables for tax preparation and related fees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">36,203</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">38,930</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Emerald Advance lines of credit</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">30,699</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">31,645</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Royalties from franchisees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">707</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">11,645</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Tax client receivables related to RALs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">1,971</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2,412</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Other</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">40,446</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">131,096</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">396,970</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">559,756</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Allowance for doubtful accounts</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(67,582</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(67,466</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">329,388</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">492,290</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</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: 12pt;" class="_mt"> </font>&nbsp;</p> <div style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></div> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><a name="page_12"> </a><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font>&nbsp;</p><font size="4" class="_mt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The short-term portion of Emerald Advance lines of credit (EAs), tax client receivables related to refund anticipation loans (RALs) and loans made to franchisees is included in receivables, while the long-term portion is included in other assets in the condensed consolidated financial statements. These amounts are as follows:</font> <table style="line-height: 115%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0"> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 28%; padding-right: 0.75pt; padding-top: 0.75pt;" width="28%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 12%; padding-right: 0.75pt; padding-top: 0.75pt;" width="12%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 16%; padding-right: 0.75pt; padding-top: 0.75pt;" width="16%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8%; padding-right: 0.75pt; padding-top: 0.75pt;" width="8%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 15%; padding-right: 0.75pt; padding-top: 0.75pt;" width="15%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 7%; padding-right: 0.75pt; padding-top: 0.75pt;" width="7%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 11%; padding-right: 0.75pt; padding-top: 0.75pt;" width="11%"> </td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 7.5pt;" class="_mt">(in 000s)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Emerald Advance</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Tax Client</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Loans</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Lines of Credit</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Receivables - RALs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">to Franchisees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">As of July 31, 2011:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Short-term</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">30,699</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">1,971</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,313</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Long-term</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">18,539</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,271</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">123,962</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">49,238</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">7,242</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">186,275</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">As of April 30, 2011:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Short-term</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">31,645</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2,412</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,181</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Long-term</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">21,619</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,855</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">110,420</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">53,264</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">8,267</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">172,601</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </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: 12pt;" class="_mt"> </font>&nbsp;</p> <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">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 July 31, 2011, by year of origination, are as follows:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p> <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 7.5pt;" class="_mt">(in 000s)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p> <table style="line-height: 115%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0"> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 46%; padding-right: 0.75pt; padding-top: 0.75pt;" width="46%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9%; padding-right: 0.75pt; padding-top: 0.75pt;" width="9%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 20%; padding-right: 0.75pt; padding-top: 0.75pt;" width="20%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 12%; padding-right: 0.75pt; padding-top: 0.75pt;" width="12%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 11%; padding-right: 0.75pt; padding-top: 0.75pt;" width="11%"> </td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Emerald Advance</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Tax Client</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Lines of Credit</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Receivables - RALs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Credit Quality Indicator &#8211; Year of origination:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">25,738</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 3.4pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2010</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,006</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">86</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2009</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">4,953</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2,124</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2008 and prior</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2,082</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,032</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Revolving loans</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">11,459</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 3.4pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">49,238</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">7,242</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </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: 12pt;" class="_mt"> </font>&nbsp;</p> <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">As of July 31, 2011 and April 30, 2011, $<font class="_mt">44.6</font> million and $<font class="_mt">46.8</font> million, respectively, of EAs were on non-accrual status and classified as impaired, or more than 60 days past due. All tax client receivables related to RALs are considered impaired.</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p> <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">Loans made to franchisees totaled $<font class="_mt">186.3</font> million at July 31, 2011, and consisted of $<font class="_mt">140.0</font> million in term loans made to finance the purchase of franchises and $<font class="_mt">46.3</font> million in revolving lines of credit made to existing franchisees primarily for the purpose of funding their off-season needs.</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p> <p style="line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">Our allowance for doubtful accounts consists of the following:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p> <table style="line-height: 115%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0"> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 44%; padding-right: 0.75pt; padding-top: 0.75pt;" width="44%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 12%; padding-right: 0.75pt; padding-top: 0.75pt;" width="12%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 20%; padding-right: 0.75pt; padding-top: 0.75pt;" width="20%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9%; padding-right: 0.75pt; padding-top: 0.75pt;" width="9%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 13%; padding-right: 0.75pt; padding-top: 0.75pt;" width="13%"> </td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 7.5pt;" class="_mt">(in 000s)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">As of</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">July 31, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">April 30, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Allowance related to:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Emerald Advance lines of credit</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,350</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">4,400</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Tax client receivables related to RALs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Loans to franchisees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">All other receivables</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,232</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">63,066</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 3px double; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 3px double; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">67,582</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 3px double; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 3px double; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">67,466</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </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: 12pt;" class="_mt"> </font>&nbsp;</p> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><a name="page_14"> </a><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font>&nbsp;</p> <p style="text-align: center; line-height: normal; margin: 0in 0in 10pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">Activity in the allowance for doubtful accounts for the three months ended July 31, 2011 and 2010 is as follows:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" 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: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" width="23%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" width="4%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" width="9%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" width="4%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" width="10%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" width="4%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" width="9%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" width="2%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" width="4%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" width="9%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" width="2%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" width="4%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" width="8%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" width="2%"> </td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 7.5pt;" class="_mt">(in 000s)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 37.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="37%" colspan="3"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Emerald Advance</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="center"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Tax Client</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Loans</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">All</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 42.98%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="42%" colspan="6"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Lines of Credit Receivables - RALs to Franchisees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Other</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Total</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 100%; padding-right: 0.75pt; padding-top: 0.75pt;" width="100%" colspan="14"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Balance as of April 30, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">4,400</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">63,066</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">67,466</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Provision</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">950</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">1,955</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2,905</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Recoveries</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">51</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">51</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Charge-offs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(2,840</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(2,840</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Balance as of July 31, 2011</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,350</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,232</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">67,582</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 100%; padding-right: 0.75pt; padding-top: 0.75pt;" width="100%" colspan="14"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 100%; padding-right: 0.75pt; padding-top: 0.75pt;" width="100%" colspan="14"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Balance as of April 30, 2010</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">35,239</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">12,191</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">4</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">65,041</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">112,475</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Provision</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">710</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">1,078</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">1,790</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Recoveries</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">128</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">128</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Charge-offs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="line-height: normal; text-indent: 2.05pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(4</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(2,015</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">(2,019</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 23.66%; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom" width="23%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Balance as of July 31, 2010</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.66%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">35,949</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 10.74%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="10%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">12,193</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">-</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 9.68%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="9%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">64,232</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 4.3%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="4%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8.6%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="8%"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">112,374</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; width: 2.16%; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom" width="2%"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</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: 12pt;" class="_mt"> </font>&nbsp;</p><font style="line-height: 115%; font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font style="line-height: 115%; font-family: 'Century','serif'; font-size: 10pt;" class="_mt">There were no changes to our methodology related to the calculation of our allowance for doubtful accounts during the three months ended July 31, 2011.</font> -239146000 -233452000 -333828000 -320539000 1050371000 1049754000 998965000 50789000 1019431000 999055000 20376000 1105686000 188200000 138415000 49785000 188130000 138415000 49715000 126260000 126260000 125775000 49800000 125775000 -70000 70600000 86300000 41500000 70000000 0 29252000 26309000 19532000 16590000 <p style="text-align: left;"><b><font style="font-family: MalgunGothicBold,Arial,Helvetica,sans-serif;" class="_mt" size="2">5. Mortgage Loans Held for Investment and Related Assets</font></b></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The composition of our mortgage loan portfolio as of July 31, 2011 and April 30, 2011 is as follows:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="29%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="15%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="7%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="2%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(dollars in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">% of Total</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">% of Total</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr><td colspan="11">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Adjustable-rate loans</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">320,539</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">58</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">333,828</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">58</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Fixed-rate loans</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">233,452</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">42</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">239,146</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">42</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">100</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">572,974</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">100</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Unamortized deferred fees and costs</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,975</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">4,121</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Less: Allowance for loan losses</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(91,303</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(92,087</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">466,663</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">485,008</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Our loan loss allowance as a percent of mortgage loans was <font class="_mt">16.5</font>% at July 31, 2011, compared to <font class="_mt">16.1</font>% at April 30, 2011.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Activity in the allowance for loan losses for the three months ended July 31, 2011 and 2010 is as follows:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="35%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="17%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="6%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr><td colspan="8">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, beginning of the period</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">92,087</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">93,535</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Provision</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,625</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,000</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Recoveries</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">49</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">33</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Charge-offs</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(6,458</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(13,172</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, end of the period</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">91,303</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">88,396</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">When determining our allowance for loan losses, we evaluate loans less than 60 days past due on a pooled basis, while loans we consider impaired, including those loans more than 60 days past due or modified as troubled debt restructurings (TDRs), are evaluated individually. The balance of these loans and the related allowance is as follows:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="32%">&nbsp;</td> <td width="7%">&nbsp;</td> <td width="13%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="7%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="6%">&nbsp;</td> <td width="7%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="2" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="4" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Portfolio Balance Related Allowance</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Portfolio Balance Related Allowance</font></td></tr> <tr><td colspan="9">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Pooled (less than 60 days past due)</font></td> <td style="text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">290,762</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,914</font></td> <td style="text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">304,325</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,238</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Impaired:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Individually (TDRs)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">95,417</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">9,499</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">106,328</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,056</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Individually (60 days or more past due)</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">167,812</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">70,890</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">162,321</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">69,793</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">91,303</font></td> <td style="border-bottom: #000000 1px solid; text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">572,974</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">92,087</font></td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Our portfolio includes loans originated by Sand Canyon Corporation (SCC) and purchased by H&amp;R Block Bank (HRB Bank) which constitute <font class="_mt">63</font>% of the total loan portfolio at July 31, 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">207.3</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 July 31, 2011 is as follows:</font></p> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(dollars in 000s)</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="23%">&nbsp;</td> <td width="8%">&nbsp;</td> <td width="15%">&nbsp;</td> <td width="5%">&nbsp;</td> <td width="11%">&nbsp;</td> <td width="16%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="3%">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Outstanding</font></td> <td align="left">&nbsp;</td> <td colspan="2" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loan Loss Allowance</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">% 30</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">+ Days</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Principal Balance</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">% of Principal</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Past Due</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased from SCC</font></td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">346,695</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">80,640</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23.3</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44.8</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">All other</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">207,296</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,663</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5.1</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">12.4</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">91,303</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">16.5</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32.7</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">%</font></td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Credit quality indicators at July 31, 2011 include the following:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="24%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="16%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="16%">&nbsp;</td> <td width="7%">&nbsp;</td> <td width="13%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Credit Quality Indicators</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased from SCC</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">All Other</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total Portfolio</font></td></tr> <tr><td colspan="7">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Occupancy status:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Owner occupied</font></td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">244,259</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">132,132</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">376,391</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Non-owner occupied</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">102,436</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">75,164</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">177,600</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">346,695</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">207,296</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Documentation level:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Full documentation</font></td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">105,547</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">150,972</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">256,519</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Limited documentation</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,447</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">22,411</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32,858</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Stated income</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">198,898</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,168</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">220,066</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">No documentation</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">31,803</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">12,745</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">44,548</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">346,695</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">207,296</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Internal risk rating:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">High</font></td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">143,931</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">357</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">144,288</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Medium</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">202,764</font></td> <td align="left">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">202,764</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Low</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">206,939</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">206,939</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">346,695</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">207,296</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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 loan-to-value 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 loan-to-value at origination of less than <font class="_mt">80</font>% and have credit scores greater than <font class="_mt">700</font>.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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">52</font>% of our mortgage loan portfolio consists of loans to borrowers located in the states of Florida, California and New York.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Detail of the aging of the mortgage loans in our portfolio that are past due as of July 31, 2011 is as follows:</font></p> <div> <div class="MetaData"> <div align="left"> <table border="0" cellspacing="0"> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Less than 60</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">60 &#8211; 89</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Days</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">90+ Days</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Days Past Due</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Past Due</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Past Due </font>^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(1)</font>}</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Past Due</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Current</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased from SCC</font></td> <td style="text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">35,960</font></td> <td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,886</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">133,767</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">178,613</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">168,082</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">346,695</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">All other</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,470</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,735</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">20,479</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">32,684</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">174,612</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">207,296</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid; text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">46,430</font></td> <td style="border-bottom: #000000 1px solid; text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,621</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">154,246</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">211,297</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">342,694</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">553,991</font></td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <div> <p style="text-align: left;">^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(1)<font class="_mt">^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1"> </font>}<font class="_mt">^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">No loans past due 90 days or more are still accruing interest</font></font>}</font></font></font>}<font class="_mt">^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1"> </font></font>}</font></p></div></div> <div>^{<font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1"> </font></font>} <p><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="3">Information related to our non-accrual loans is as follows:</font></p> <div> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="37%">&nbsp;</td> <td width="19%">&nbsp;</td> <td width="20%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="13%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loans:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased from SCC</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">138,277</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">143,358</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">22,964</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">14,106</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">161,241</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">157,464</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">TDRs:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased from SCC</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,767</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,849</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">178</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">329</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,945</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,178</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total non-accrual loans</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">165,186</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">160,642</font></td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <div style="width: 88%; margin-left: 6%;" class="MetaData"> <div style="text-indent: 16px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 4%; 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;">&nbsp;</div> <div style="margin-left: 4%; margin-right: 0%;"> <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="96%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="30%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="12%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="14%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="12%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="13%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td></tr> <tr style="font-size: 9pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="6" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom" align="center"><td style="border-bottom: #000000 1px solid; font-size: 1pt;" valign="bottom" colspan="16" align="right">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="font-size: 9pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio Balance<br /></font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Portfolio Balance<br /></font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">Total<br /></font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">With Allowance </font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">With No Allowance </font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">Portfolio Balance </font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">Related Allowance </font></td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom" align="center"><td style="border-bottom: #000000 1px solid; font-size: 1pt;" valign="bottom" colspan="16" align="right">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>&nbsp; </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;">As of July&nbsp;31, 2011: </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 18pt;">Purchased from SCC </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">180,494 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">47,081 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">227,575 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">70,964 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </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: 18pt;">Other </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">27,954 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7,700 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">35,654 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,425 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">208,448 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">54,781 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">263,229 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">80,389 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </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;">As of April&nbsp;30, 2011: </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 18pt;">Purchased from SCC <sup style="font-size: 85%; vertical-align: top;">(1)</sup> </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">180,387 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">51,674 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">232,061 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">71,733 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </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: 18pt;">Other <sup style="font-size: 85%; vertical-align: top;">(1)</sup> </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">29,027 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">7,561 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">36,588 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">9,116 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">209,414 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">59,235 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">268,649 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">80,849 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="17">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="border-top: #000000 1px solid;" colspan="17">&nbsp; </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> <table style="font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; font-size: 10pt;" class="MetaData" border="0" cellspacing="0" cellpadding="0" width="100%"> <tr><td width="5%"> </td> <td width="1%"> </td> <td width="94%"> </td></tr> <tr><td valign="top" align="right"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt"><sup style="font-size: 85%; vertical-align: top;">(1)</sup></font></td> <td> </td> <td class="MetaData" valign="bottom"><font style="font-family: Arial, Helvetica; font-size: 8pt;" class="_mt">Classification of amounts as of April&nbsp;30, 2011 have been restated to conform to the current period presentation. </font></td></tr></table></div></div></div></div> <p style="margin: 0px;">&nbsp;</p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Information related to the allowance for impaired loans is as follows:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="49%">&nbsp;</td> <td width="7%">&nbsp;</td> <td width="20%">&nbsp;</td> <td width="9%">&nbsp;</td> <td width="13%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td></tr> <tr><td colspan="5">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Portion of total allowance for loan losses allocated</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">to impaired loans and TDR loans:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Based on collateral value method</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">70,890</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">69,794</font></td></tr> <tr valign="bottom"><td style="text-indent: 4px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Based on discounted cash flow method</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">9,499</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,055</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">80,389</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">80,849</font></td></tr></table></div> <p style="margin: 0px;">&nbsp;</p> <div align="left"> <div style="width: 88%; 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">Information related to activities of our non-performing assets is as follows: </div> <div style="margin-top: 6pt; font-size: 1pt;">&nbsp;</div> <div style="margin-left: 4%; margin-right: 0%;"> <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="96%" align="center"> <tr style="font-size: 1pt;" valign="bottom"><td width="79%">&nbsp;</td> <td width="2%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="6%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="1%" align="right">&nbsp;</td> <td width="6%" align="right">&nbsp;</td> <td width="1%" align="left">&nbsp;</td></tr> <tr style="font-size: 9pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="6" align="right"><font style="font-family: Arial, Helvetica;" class="_mt">(in 000s) </font></td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom" align="center"><td style="border-bottom: #000000 1px solid; font-size: 1pt;" valign="bottom" colspan="8" align="right">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="font-size: 8pt;" valign="bottom" align="center"><td valign="bottom" nowrap="nowrap" align="left"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">Three Months Ended July 31, </font></td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">2011 </font></td> <td>&nbsp; </td> <td>&nbsp; </td> <td valign="bottom" colspan="2" nowrap="nowrap" align="right"><font style="font-family: Arial, Helvetica; font-size: 9pt;" class="_mt">2010 </font></td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom" align="center"><td style="border-bottom: #000000 1px solid; font-size: 1pt;" valign="bottom" colspan="8" align="right">&nbsp; </td> <td>&nbsp; </td></tr> <tr style="line-height: 3pt; font-size: 1pt;"><td>&nbsp; </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;">Average impaired loans: </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 18pt;">Purchased from SCC </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">230,150 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </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: 18pt;">All other </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">36,477 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">266,627 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">303,767 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </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;">Interest income on impaired loans: </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 18pt;">Purchased from SCC </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,556 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </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: 18pt;">All other </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">119 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,675 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,749 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </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;">Interest income on impaired loans recognized on a cash basis on non-accrual status: </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" align="left"> <div style="text-indent: -9pt; margin-left: 18pt;">Purchased from SCC </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,498 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </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: 18pt;">All other </div></td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">114 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td style="border-top: #000000 1px solid;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td></tr> <tr valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,612 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td> <td>&nbsp; </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">$ </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="right">1,636 </td> <td style="font-family: Arial, Helvetica;" valign="bottom" nowrap="nowrap" align="left">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td>&nbsp; </td> <td>&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td style="border-top: #000000 3px double;">&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td> <td>&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="font-family: Arial, Helvetica;" valign="bottom" colspan="9">&nbsp; </td></tr> <tr style="font-size: 1pt;" valign="bottom"><td style="border-top: #000000 1px solid;" colspan="9">&nbsp; </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: 16px; font-family: 'Times New Roman', Times; background: none transparent scroll repeat 0% 0%; color: #000000; margin-left: 4%; font-size: 10pt; margin-right: 0%;" align="left">Our real estate owned includes loans accounted for as in-substance foreclosures of $<font class="_mt">7.2</font>&nbsp;million and $<font class="_mt">7.7</font>&nbsp;million at July&nbsp;31, 2011 and April&nbsp;30, 2011, respectively. Activity related to our real estate owned is as follows: </div></div> <table border="0" cellspacing="0"> <tr><td width="35%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="17%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="6%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr><td colspan="8">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, beginning of the period</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">19,532</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">29,252</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Additions</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,573</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,527</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Sales</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,722</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(8,827</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Writedowns</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(793</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(643</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, end of the period</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">16,590</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">26,309</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr></table></div> -8827000 -3722000 6527000 1573000 -643000 -793000 -348949000 -85483000 188089000 -211173000 -240382000 -257295000 -152934000 44107000 -46132000 -102336000 -6003000 31290000 -188324000 188324000 -37293000 -14253000 -27263000 -44084000 44084000 13010000 -348251000 -43301000 22849000 -327799000 -394549000 -22900000 2048000 -373697000 -130681000 -14899000 130681000 -130681000 -115782000 -175098000 -20290000 175098000 -175098000 -154808000 -127658000 -173557000 3254000 382000 207317000 -207317000 2872000 4087000 3281000 293142000 -293142000 806000 559756000 281847000 31645000 62181000 131096000 38930000 11645000 2412000 396970000 224631000 30699000 62313000 40446000 36203000 707000 1971000 31645000 62181000 2412000 30699000 62313000 1971000 21619000 110420000 5855000 18539000 123962000 5271000 53264000 172601000 8267000 49238000 186275000 7242000 140000000 46300000 -210571000 -20118000 -190453000 -297229000 -23784000 -273445000 1290240000 469461000 13613000 807166000 1352150000 299379000 12474000 1040297000 723738000 775698000 -4020000 484000 -306000 975000 49191000 49528000 <p style="text-align: left;"><b><font style="font-family: MalgunGothicBold,Arial,Helvetica,sans-serif;" class="_mt" size="2">9. Interest Income and Expense</font></b></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The following table shows the components of interest income and expense of our continuing operations:</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="39%"> </td> <td width="19%"> </td> <td width="13%"> </td> <td width="9%"> </td> <td width="10%"> </td> <td width="7%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr><td colspan="6">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Interest income:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Mortgage loans, net</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,661</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,323</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">4,772</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,979</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,433</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,302</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Interest expense:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Borrowings</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,494</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">20,643</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Deposits</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,656</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,923</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">FHLB advances</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">151</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">396</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23,301</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">22,962</font></td> <td align="left">&nbsp;</td></tr></table></div> 1831413000 -26769000 178000 1858004000 1363476000 -132742000 214000 1496004000 493958000 451510000 16753000 16638000 -17618000 -17618000 -11192000 -11192000 -18848000 -18167000 48692000 48692000 45894000 45894000 39275000 39275000 33226000 33226000 3457000 3457000 8634000 8634000 10953000 54000 10899000 112475000 65041000 35239000 4000 12191000 112374000 64232000 35949000 12193000 67466000 63066000 4400000 67582000 62232000 5350000 1790000 1078000 710000 2000 2905000 1955000 950000 128000 128000 51000 51000 -2019000 -2015000 -4000 -2840000 -2840000 42000000 26387000 26387000 21230000 21230000 -15987000 176000 388000 -16551000 -24916000 22000 2000 -24940000 1500000 1500000 1762000 1762000 307320000 295220000 8000000 5625000 35.3 <table border="0" cellspacing="0"> <tr><td width="46%"> </td> <td width="4%"> </td> <td width="20%"> </td> <td width="3%"> </td> <td width="12%"> </td> <td width="9%"> </td> <td width="3%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Revenues:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Tax Services</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">91,425</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">91,645</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Business Services</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">167,263</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">174,710</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Corporate</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,946</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,119</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">267,634</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">274,474</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Pretax income (loss):</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Tax Services</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(169,483</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(174,624</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Business Services</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(92,541</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(433</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Corporate</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(31,118</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(32,260</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid; text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loss from continuing operations before tax benefit</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(293,142</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(207,317</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr></table> <p style="font-family: 'Times New Roman','serif'; margin-left: 0in; font-size: 12pt; margin-right: 0in;"><b><font style="font-size: 10pt;" class="_mt">10. Regulatory Requirements</font></b></p> <p style="font-family: 'Times New Roman','serif'; margin-left: 0in; font-size: 12pt; margin-right: 0in;"><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">HRB Bank files its regulatory Thrift Financial Report (TFR) on a calendar quarter basis with the Office of Thrift Supervision (OTS). In July 2011, as a result of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Reform Act), the responsibility and authority of the OTS moved to the Office of the Comptroller of the Currency (OCC). HRB Bank will continue to file TFR reports with the OCC through December 31, 2011. Beginning March 31, 2012, HRB Bank will file Reports of Condition and Income (Call Report) with the OCC quarterly.</font></p> <p style="line-height: 115%; margin: 0in 0in 10pt; font-size: 11pt;"><font style="line-height: 115%; font-family: 'Century','serif'; font-size: 10pt;" class="_mt">The following table sets forth HRB Bank's regulatory capital requirements, as calculated in its TFR:</font></p> <table style="line-height: 115%; border-collapse: collapse; font-size: 11pt;" border="0" cellspacing="0" cellpadding="0"> <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></tr> <tr style="height: 15.75pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" colspan="2"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 7.5pt;" class="_mt">(dollars in 000s)</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="border-bottom: medium none; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" colspan="3"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">To Be Well Capitalized</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" colspan="4"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">For Capital AdequacyUnder</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Prompt</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Corrective</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom" colspan="13"> </td></tr> <tr style="height: 15.75pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Actual</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" colspan="2"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Purposes</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom" colspan="2"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Action Provisions</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td></tr> <tr style="height: 15.75pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Amount</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Ratio</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Amount</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Ratio</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Amount</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">Ratio</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">As of June 30, 2011:</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Total risk-based capital ratio⁽¹⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">411,062</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">94.5</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">34,813</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">8</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">43,516</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">10</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Tier 1 risk-based capital ratio ⁽²⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">405,333</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">93.1</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">26,110</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">6</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Tier 1 capital ratio (leverage) ⁽³⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">405,333</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">35</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">139,141</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">12</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">57,975</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">5</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-indent: 1.5pt; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">Tangible equity ratio ⁽⁴⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">405,333</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">35</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">17,393</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">1.5</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">As of March 31, 2011:</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="bottom"> </td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Total risk-based capital ratio ⁽¹⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">405,000</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">92.5</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">35,019</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">8</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">43,773</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">10</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Tier 1 risk-based capital ratio⁽²⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">399,187</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">91.2</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; text-indent: 1.5pt; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> </td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">26,264</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">6</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 27pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: center; margin: 0in 0in 0pt; font-size: 11pt;" align="center"><font style="color: black; font-size: 10pt;" class="_mt">Tier 1 capital ratio (leverage) ⁽³⁾</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom" nowrap="nowrap"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black;" class="_mt">399,187</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">22.8</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">209,758</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">12</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">87,399</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">5</font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 27pt; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td></tr> <tr style="height: 15.75pt;"><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-indent: 1.5pt; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">Tangible equity ratio ⁽⁴⁾</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">399,187</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">22.8</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">$</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">26,220</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">1.5</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 10pt;" class="_mt">%</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;" align="right"><font style="color: black; font-size: 10pt;" class="_mt">N/A</font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0in; padding-left: 5.4pt; padding-right: 5.4pt; height: 15.75pt; border-top: medium none; border-right: medium none; padding-top: 0in;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;">&nbsp;</p></td></tr></table> <p style="line-height: 115%; margin: 0in 0in 10pt; font-size: 11pt;">&nbsp;</p> <table style="line-height: 115%; width: 506pt; border-collapse: collapse; margin-left: 4.65pt; font-size: 11pt;" class="MetaData" border="0" cellspacing="0" cellpadding="0" width="675"> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 20.05pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="top" width="27" nowrap="nowrap"> <p style="margin: 0in 0in 0pt; font-size: 11pt;">^{<font style="color: black; font-size: 7.5pt;" class="_mt">(1)</font>}<font style="color: black;" class="_mt">&nbsp; &nbsp; &nbsp;</font><font style="color: black; font-size: 7.5pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 485.95pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" class="MetaData" valign="bottom" width="648"> <div> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 7.5pt;" class="_mt">Total risk-based capital divided by risk-weighted assets.</font></p></div></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 20.05pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="top" width="27" nowrap="nowrap"> <p style="margin: 0in 0in 0pt; font-size: 11pt;">^{<font style="color: black; font-size: 7.5pt;" class="_mt">(2)</font>}<font style="color: black;" class="_mt">&nbsp; &nbsp; &nbsp;</font><font style="color: black; font-size: 7.5pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 485.95pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" class="MetaData" valign="bottom" width="648"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 7.5pt;" class="_mt">Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.</font></p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 20.05pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="top" width="27" nowrap="nowrap"> <p style="margin: 0in 0in 0pt; font-size: 11pt;">^{<font style="color: black; font-size: 7.5pt;" class="_mt">(3)</font>}<font style="color: black;" class="_mt">&nbsp; &nbsp; &nbsp;</font><font style="color: black; font-size: 7.5pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 485.95pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" class="MetaData" valign="bottom" width="648"> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 7.5pt;" class="_mt">Tier 1 (core) capital divided by adjusted total assets.</font></p></td></tr> <tr style="height: 15pt;"><td style="padding-bottom: 0in; padding-left: 5.4pt; width: 20.05pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" valign="top" width="27" nowrap="nowrap"> <p style="margin: 0in 0in 0pt; font-size: 11pt;">^{<font style="color: black; font-size: 7.5pt;" class="_mt">(4)</font>}<font style="color: black;" class="_mt">&nbsp; &nbsp; &nbsp;</font><font style="color: black; font-size: 7.5pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0in; padding-left: 5.4pt; width: 485.95pt; padding-right: 5.4pt; height: 15pt; padding-top: 0in;" class="MetaData" valign="bottom" width="648"> <div> <p style="line-height: normal; margin: 0in 0in 0pt; font-size: 11pt;"><font style="color: black; font-size: 7.5pt;" class="_mt">Tangible capital divided by tangible assets.</font></p></div></td></tr></table> <p style="line-height: 115%; margin: 0in 0in 10pt; font-size: 11pt;">&nbsp;</p> <p style="font-family: 'Times New Roman','serif'; margin-left: 0in; font-size: 12pt; margin-right: 0in;"><font style="font-family: 'Century','serif'; font-size: 10pt;" class="_mt">As of July 31, 2011, HRB Bank's leverage ratio was <font class="_mt">35.3</font>%.</font></p> -24173000 -1263504000 1287677000 -40201000 -1257131000 1297332000 48383000 9522000 38861000 44402000 849000 43553000 2658103000 2437011000 274474000 21000000 253474000 267634000 21773000 245861000 168047000 160255000 247419000 240563000 <table style="line-height: 115%; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0"> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 28%; padding-right: 0.75pt; padding-top: 0.75pt;" width="28%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 12%; padding-right: 0.75pt; padding-top: 0.75pt;" width="12%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 16%; padding-right: 0.75pt; padding-top: 0.75pt;" width="16%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 8%; padding-right: 0.75pt; padding-top: 0.75pt;" width="8%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 15%; padding-right: 0.75pt; padding-top: 0.75pt;" width="15%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 7%; padding-right: 0.75pt; padding-top: 0.75pt;" width="7%"> </td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; width: 11%; padding-right: 0.75pt; padding-top: 0.75pt;" width="11%"> </td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 7.5pt;" class="_mt">(in 000s)</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Emerald Advance</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Tax Client</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Loans</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Lines of Credit</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Receivables - RALs</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">to Franchisees</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">As of July 31, 2011:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Short-term</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">30,699</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">1,971</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,313</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Long-term</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">18,539</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,271</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">123,962</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">49,238</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">7,242</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">186,275</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">As of April 30, 2011:</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Short-term</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">31,645</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">2,412</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">62,181</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 1.35pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">Long-term</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">21,619</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">5,855</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">110,420</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr> <tr><td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal">&nbsp;</p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">53,264</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; text-indent: 0.7pt; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">8,267</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">$</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td> <td style="border-bottom: black 1pt solid; border-left: medium none; padding-bottom: 0.75pt; padding-left: 0.75pt; padding-right: 0.75pt; border-top: medium none; border-right: medium none; padding-top: 0.75pt;" valign="bottom"> <p style="text-align: right; line-height: normal; margin: 0in 0in 0pt; font-family: 'Calibri','sans-serif'; font-size: 11pt;" class="MsoNormal" align="right"><font style="font-family: 'Arial','sans-serif'; font-size: 10pt;" class="_mt">172,601</font><font style="font-family: 'Times New Roman','serif'; font-size: 12pt;" class="_mt"> </font></p></td></tr></table> <table border="0" cellspacing="0"> <tr><td width="57%"> </td> <td width="7%"> </td> <td width="13%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="9%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s, except per share amounts)</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net loss from continuing operations attributable to shareholders</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(173,443</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(127,638</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amounts allocated to participating securities (nonvested shares)</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(114</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(20</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net loss from continuing operations attributable to common shareholders$</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(173,557</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(127,658</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Basic weighted average common shares</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">305,491</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">319,690</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Potential dilutive shares</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Dilutive weighted average common shares</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">305,491</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">319,690</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loss per share from continuing operations:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Basic</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(0.57</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(0.40</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Diluted</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(0.57</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(0.40</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr></table> <table border="0" cellspacing="0"> <tr><td width="19%"> </td> <td width="3%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="1%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="12%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="8%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">As of</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">July 31, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">April 30, 2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Gross</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Gross</font></td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Carrying</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Accumulated</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Carrying Accumulated</font></td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount Amortization</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Amount Amortization</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Net</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Tax Services:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer relationships</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">86,678</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(43,031</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">43,647</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">87,624</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(41,076</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">46,548</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Noncompete agreements</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23,451</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(22,278</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,173</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23,456</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(22,059</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,397</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Reacquired franchise rights</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">214,330</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(10,991</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">203,339</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">214,330</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(9,961</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">204,369</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Franchise agreements</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">19,201</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,414</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">15,787</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">19,201</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,093</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">16,108</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Purchased technology</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">14,700</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(9,070</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">5,630</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">14,700</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(8,505</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,195</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Trade name</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,325</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(650</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">675</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,325</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(600</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">725</font></td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Business Services:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Customer relationships</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">147,208</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(125,848</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">21,360</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">152,079</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(128,738</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">23,341</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Noncompete agreements</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">35,551</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(25,101</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">10,450</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">35,818</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(24,662</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">11,156</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Attest firm affiliation</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,629</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(424</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,205</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,629</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(318</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">7,311</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Trade name &#8211; amortizing</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,600</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,600</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td style="text-indent: 3px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2,600</font></td> <td align="right">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(2,600</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="right">&nbsp;</td> <td align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Trade name &#8211; non-amortizing</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">55,637</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(4,868</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">50,769</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">55,637</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(4,868</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="right">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">50,769</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">608,310</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" colspan="3" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(248,275</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">) $</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">360,035</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">614,399</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(246,480</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">367,919</font></td></tr></table> <table border="0" cellspacing="0"> <tr><td width="28%"> </td> <td width="5%"> </td> <td width="15%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="13%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="13%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Tax Services</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Business Services</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Total</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance at April 30, 2011:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Goodwill</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">459,039</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">427,094</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">886,133</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Accumulated impairment losses</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(24,888</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(15,000</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(39,888</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">434,151</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">412,094</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">846,245</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Changes:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Acquisitions</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,478</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">34</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">3,512</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" colspan="2" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Disposals and foreign currency changes</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">112</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(7,561</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(7,449</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Impairments</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="center"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">-</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(99,697</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(99,697</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr><td colspan="10">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance at July 31, 2011:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Goodwill</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">462,629</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">419,567</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">882,196</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Accumulated impairment losses</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(24,888</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(114,697</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(139,585</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">437,741</font></td> <td style="border-bottom: #000000 3px double;" align="left">&nbsp;</td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">304,870</font></td> <td style="border-bottom: #000000 3px double;" align="left">&nbsp;</td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">742,611</font></td> <td style="border-bottom: #000000 3px double;" align="left">&nbsp;</td></tr></table> <p style="text-align: left;"><b><font style="font-family: MalgunGothicBold,Arial,Helvetica,sans-serif;" class="_mt" size="2">12. Litigation and Related Contingencies</font></b></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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">86.3</font> million and $<font class="_mt">70.6</font> million at July 31, 2011 and April 30, 2011, 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.</font></p> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Litigation and Claims Pertaining to Discontinued Mortgage Operations</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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 SCC's mortgage business activities that occurred prior to such termination and sale. These investigations, claims and lawsuits include actions by state and federal regulators, municipalities, third party indemnitees, individual plaintiffs, and cases in which plaintiffs seek to represent a class of others alleged to be similarly situated. Among other things, these investigations, claims and lawsuits allege discriminatory or unfair and deceptive loan origination and servicing practices, fraud, rights to indemnification, 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 to increase. 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 be paid in the discharge of liabilities or settlements could be substantial and could have a material impact on our consolidated results of operations.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">On June 3, 2008, the Massachusetts Attorney General filed a lawsuit in the Superior Court of Suffolk County, Massachusetts (Case No. 08-2474-BLS) styled </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Commonwealth of Massachusetts v. H&amp;R Block, Inc., et al.</font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">, alleging unfair, deceptive and discriminatory origination and servicing of mortgage loans and seeking equitable relief, disgorgement of profits, restitution and statutory <font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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. To avoid the cost and inherent risk associated with litigation, the parties have reached an agreement to settle this case. The settlement requires a cash payment from SCC to the Attorney General of $<font class="_mt">9.8</font> million, in addition to certain loan modification relief to Massachusetts borrowers estimated at $<font class="_mt">115</font> million in benefits. The agreement also provides for a contingent cash payment of up to $<font class="_mt">5</font> million in the event certain loan modification relief is not available. We have a liability recorded for our best estimate of the expected loss. 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.</font></font></p> <div> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">On February 1, 2008, a class action lawsuit was filed in the United States District Court for the District of Massachusetts against SCC and other related entities styled </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Cecil Barrett, et al. v. Option One Mortgage Corp., et al. </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">(Civil Action No. 08-10157-RWZ). Plaintiffs allege discriminatory practices relating to the origination of mortgage loans in violation of the Fair Housing Act and Equal Credit Opportunity Act, and seek declaratory and injunctive relief in addition to actual and punitive damages. The court dismissed H&amp;R Block, Inc. from the lawsuit for lack of personal jurisdiction. In March 2011, the court issued an order certifying a class, which defendants sought to appeal. On August 24, 2011, the First Circuit Court of Appeals declined to hear the appeal, noting that the district court could reconsider its certification decision in light of a recent ruling by the United States Supreme Court in an unrelated matter. 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 believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated results of operations.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">On December 9, 2009, a putative class action lawsuit was filed in the United States District Court for the Central District of California against SCC and H&amp;R Block, Inc. styled </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Jeanne Drake, et al. v. Option One Mortgage Corp., et al. </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">(Case No. SACV09-1450 CJC). Plaintiffs allege breach of contract, promissory fraud, intentional interference with contractual relations, wrongful withholding of wages and unfair business practices in connection with the failure to pay severance benefits to employees when their employment transitioned to American Home Mortgage Servicing, Inc. in connection with the sale of certain assets and operations of Option One. Plaintiffs seek to recover severance benefits of approximately $<font class="_mt">8</font> million, interest and attorney's fees, in addition to penalties and punitive damages on certain claims. Plaintiffs' motion for class certification is pending. All parties have filed motions for summary judgment. The court has set a hearing on all pending motions on August 29, 2011. We have not concluded that a loss related to this matter is probable nor have we established a loss contingency related to this matter. We believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated results of operations.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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 </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Federal Home Loan Bank of Chicago v. Bank of America Funding Corporation, et al. </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">against multiple defendants, including various SCC related entities and H&amp;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.</font></p> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Employment-Related Claims and Litigation</font></p> <div> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">We have been named in several wage and hour class action lawsuits throughout the country, including </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Alice Williams v. H&amp;R Block Enterprises LLC</font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">, Case No.RG08366506 (Superior Court of California, County of Alameda, filed January 17, 2008) (alleging improper classification of office managers in California); </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Arabella Lemus v. H&amp;R Block Enterprises LLC, et al., </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Case No. CGC-09-489251 (United States District Court, Northern District of California, filed June 9, 2009) (alleging failure to timely pay compensation to tax professionals in California and to include itemized information on wage statements); </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Delana Ugas v. H&amp;R Block Enterprises LLC, et al., </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Case No. BC417700 (United States District Court, Central District of California, filed July 13, 2009) (alleging failure to compensate tax professionals in California for all hours worked and to provide meal periods); and </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Barbara Petroski v. H&amp;R Block Eastern Enterprises, Inc., et al., </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Case No. 10-CV-00075 (United States District Court, Western District of Missouri, filed January 25, 2010) (alleging failure to compensate tax professionals nationwide for off-season training). A class was certified in the </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Lemus </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">case in December 2010 (consisting of tax professionals who worked in company-owned offices in California from 2007 to 2010); in the </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Williams </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">case in March 2011 (consisting of office managers who worked in company-owned offices in California from 2004 to 2011); and in the </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Ugas </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">case in August 2011 (consisting of tax professionals who worked in company-owned offices in California from 2006 to 2011). A conditional class was certified in the </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Petroski </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">case in March 2011 (consisting of tax professionals nationwide who worked in company-owned offices and who were not compensated for certain training courses occurring on or after April 15, 2007).</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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.</font></p> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">RAL Litigation</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The sole remaining case is a putative class action styled </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Sandra J. Basile, et al. v. H&amp;R Block, Inc., et al.</font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">, 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 <font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">no assurances, however, as to the outcome of this case or its impact on our consolidated results of operations.</font></font></p> <div> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Express IRA Litigation</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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 </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Jim Hood, Attorney for the State of Mississippi v. H&amp;R Block, Inc., H&amp;R Block Financial Advisors, Inc</font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">., </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">et al. </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Although we sold H&amp;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.</font></p> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">RSM McGladrey Litigation</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">EquiCo, its parent and certain of its subsidiaries and affiliates, are parties to a class action filed on July 11, 2006 and styled </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Do Right's Plant Growers, et al. v. RSM EquiCo, Inc., et al. (the "RSM Parties"), </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Case No. 06 CC00137, in the California Superior Court, Orange County. The complaint contains allegations relating to business valuation services provided by EquiCo, including allegations of fraud, conversion and unfair competition. Plaintiffs seek unspecified actual and punitive damages, in addition to pre-judgment interest and attorneys' fees. On March 17, 2009, the court granted plaintiffs' motion for class certification on all claims. To avoid the cost and inherent risk associated with litigation, the parties reached an agreement to settle the case, subject to approval by the California Superior Court. The settlement requires a maximum payment of $<font class="_mt">41.5</font> million, although the actual cost of the settlement will depend on the number of valid claims submitted by class members. The California Superior Court preliminarily approved the settlement on July 29, 2011. A final approval hearing is set for October 20, 2011. 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 a liability recorded for expected losses, there can be no assurance regarding the outcome of this matter.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">On December 7, 2009, a lawsuit was filed in the Circuit Court of Cook County, Illinois (2010-L-014920) against M&amp;P, RSM and H&amp;R Block styled </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Ronald R. Peterson ex rel. Lancelot Investors Fund, L.P., et al. v. McGladrey &amp; Pullen LLP, et al. </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The case was removed to the United States District Court for the Northern District of Illinois on December 28, 2009 (Case No. 1:10-CV-00274). 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&amp;R Block for equitable restitution relating to audit work performed by M&amp;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&amp;P and RSM. No claims remain against H&amp;R Block.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">RSM and M&amp;P operate in an alternative practice structure ("APS"). Accordingly, certain claims and lawsuits against M&amp;P could have an impact on RSM. More specifically, any judgments or settlements arising from claims and lawsuits against M&amp;P that exceed its insurance coverage could have a direct adverse effect on M&amp;P's operations. Although RSM is not responsible for the liabilities of M&amp;P, significant M&amp;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 <font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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&amp;P.</font></font></p> <div> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Other</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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 (DOJ) filed a civil antitrust lawsuit in the U.S. district court in Washington, D.C., (Case No. 1:11-cv-00948) against H&amp;R Block and 2SS styled </font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">United States v. H&amp;R Block, Inc., 2SS Holdings, Inc., and TA IX L.P., </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">to block our proposed acquisition of 2SS</font><i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">. </font></i><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">A preliminary injunction hearing is set to occur in September 2011. There are no assurances that the DOJ's lawsuit will be resolved in our favor or that the transaction will be consummated.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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 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.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">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.</font></p></div></div></div></div> <p style="text-align: left;"><b><font style="font-family: MalgunGothicBold,Arial,Helvetica,sans-serif;" class="_mt" size="2">14. Accounting Pronouncements</font></b></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">In June 2011, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update 2011-05, "Comprehensive Income (Topic 220): Statement of Comprehensive Income." Under the amendments in this guidance, an entity has the option to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. This guidance eliminates the option to present the components of other comprehensive income as part of the statement of changes in stockholders' equity. The amendments in this guidance do not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. These amendments are effective for fiscal years beginning after December 15, 2011. Early adoption is permitted. We elected to adopt this guidance as of May 1, 2011, and it did not have an effect on our presentation of comprehensive income in our condensed consolidated financial statements.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">In April 2011, the FASB issued Accounting Standards Update 2011-02, "Receivables (Topic 310) &#8211; A Creditor's Determination of Whether a Restructuring is a Troubled Debt Restructuring." This guidance assists in determining if a loan modification qualifies as a TDR and requires that creditors must determine that a concession has been made and the borrower is having financial difficulties. We adopted this guidance as of May 1, 2011. We did not identify any new TDRs attributable to this new guidance and it did not have a material effect on our condensed consolidated financial statements.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">In October 2009, the FASB issued Accounting Standards Update 2009-13, "Revenue Recognition (Topic 605) &#8211; Multiple-Deliverable Revenue Arrangements." This guidance amends the criteria for separating consideration in multiple-deliverable arrangements to enable vendors to account for products or services (deliverables) separately rather than as a combined unit. This guidance establishes a selling price hierarchy for determining the selling price of a deliverable, which is based on: (1) vendor-specific objective evidence; (2) third-party evidence; or (3) estimates. This guidance also eliminates the residual method of allocation and requires that arrangement consideration be allocated at the inception of the arrangement to all deliverables using the relative selling price method. In addition, this guidance significantly expands required disclosures related to a vendor's new multiple-deliverable revenue arrangements. We adopted this guidance as of May 1, 2011 and it did not have a material effect on our condensed consolidated financial statements.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">In December 2010, the FASB issued Accounting Standards Update 2010-28, "Intangibles &#8211;Goodwill and Other (Topic 350): When to Perform Step 2 of the Goodwill Impairment Test for Reporting Units with Zero or Negative Carrying Amounts." The amendments affect reporting units whose carrying amount is zero or negative, and require performance of Step 2 of the goodwill impairment test if it is more likely than not that a goodwill impairment exists. In determining whether it is more likely than not that a goodwill impairment exists, a reporting unit would consider whether there are any adverse qualitative factors indicating that an impairment may exist. The qualitative factors are consistent with existing guidance. The reporting unit would evaluate if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. We adopted this guidance as of May 1, 2011 and it did not have a material effect on our condensed consolidated financial statements.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">In December 2010, the FASB issued Accounting Standards Update 2010-29, "Business Combinations (Topic 805): Disclosure of Supplementary Pro Forma Information for Business Combinations." The amendments in this guidance specify that if a public entity presents comparative financial statements, the entity would disclose revenue and earnings of the combined entity as though the business combination(s) that occurred during the current year had occurred as of the beginning of the comparable prior annual reporting period only. Additionally, disclosures should be accompanied by a narrative description about the nature and amount of material, nonrecurring pro forma adjustments. We adopted this guidance as of May 1, 2011 and it did not have a material effect on our condensed consolidated financial statements.</font></p> <table border="0" cellspacing="0"> <tr><td width="35%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="17%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="12%">&nbsp;</td> <td width="10%">&nbsp;</td> <td width="3%">&nbsp;</td> <td width="6%">&nbsp;</td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="1">(in 000s)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr><td colspan="8">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, beginning of the period</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">19,532</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">29,252</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Additions</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">1,573</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">6,527</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Sales</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(3,722</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(8,827</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Writedowns</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(793</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(643</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Balance, end of the period</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">16,590</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">26,309</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr></table> <p style="text-align: left;"><b><font style="font-family: MalgunGothicBold,Arial,Helvetica,sans-serif;" class="_mt" size="2">13. Segment Information</font></b></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Results of our continuing operations by reportable operating segment are as follows:</font></p> <p style="text-align: right;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(in 000s)</font></p> <div align="left"> <table border="0" cellspacing="0"> <tr><td width="46%"> </td> <td width="4%"> </td> <td width="20%"> </td> <td width="3%"> </td> <td width="12%"> </td> <td width="9%"> </td> <td width="3%"> </td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Three months ended July 31,</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2011</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">2010</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Revenues:</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Tax Services</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">91,425</font></td> <td align="left">&nbsp;</td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">91,645</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Business Services</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">167,263</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">174,710</font></td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Corporate</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,946</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">8,119</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">267,634</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">274,474</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td></tr> <tr valign="bottom"><td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Pretax income (loss):</font></td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td> <td align="left">&nbsp;</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Tax Services</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(169,483</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(174,624</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Business Services</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(92,541</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td align="left">&nbsp;</td> <td align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(433</font></td> <td align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Corporate</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(31,118</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 1px solid;" align="left">&nbsp;</td> <td style="border-bottom: #000000 1px solid;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(32,260</font></td> <td style="border-bottom: #000000 1px solid;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr> <tr valign="bottom"><td style="border-bottom: #000000 1px solid; text-indent: 1px;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Loss from continuing operations before tax benefit</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(293,142</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">$</font></td> <td style="border-bottom: #000000 3px double;" align="right"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">(207,317</font></td> <td style="border-bottom: #000000 3px double;" align="left"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">)</font></td></tr></table></div> 274474000 174710000 8119000 91645000 267634000 167263000 8946000 91425000 117029000 108166000 3400000 4100000 900000 2300000 <p style="text-align: left;"><b><font style="font-family: MalgunGothicBold,Arial,Helvetica,sans-serif;" class="_mt" size="2">1. Summary of Significant Accounting Policies</font></b></p> <div> <div> <div class="MetaData"> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Basis of Presentation</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The condensed consolidated balance sheet as of July 31, 2011, the condensed consolidated statements of operations and comprehensive income (loss) for the three months ended July 31, 2011 and 2010, and the condensed consolidated statements of cash flows for the three months ended July 31, 2011 and 2010 have been prepared by the Company, without audit. In the opinion of management, all adjustments, which include only normal recurring adjustments, necessary to present fairly the financial position, results of operations and cash flows at July 31, 2011 and for all periods presented have been made.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">"H&amp;R Block," "the Company," "we," "our" and "us" are used interchangeably to refer to H&amp;R Block, Inc. or to H&amp;R Block, Inc. and its subsidiaries, as appropriate to the context.</font></p> <p style="text-align: left;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the financial statements and notes thereto included in our April 30, 2011 Annual Report to Shareholders on Form 10-K. All amounts presented herein as of April 30, 2011 or for the year then ended, are derived from our April 30, 2011 Annual Report to Shareholders on Form 10-K.</font></p></div> <div class="MetaData"> <div> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Management Estimates</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting periods. Significant estimates, assumptions and judgments are applied in the determination of our allowance for loan losses, potential losses from loan repurchase and indemnity obligations associated with our discontinued mortgage business, contingent losses associated with pending litigation, fair value of reporting units, 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></div></div> <div class="MetaData"> <div> <div> <p style="text-align: left;"><font style="font-family: MalgunGothicRegular,Arial,Helvetica,sans-serif;" class="_mt" size="2">Seasonality of Business</font></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">Our operating revenues are seasonal in nature with peak revenues occurring in the months of January through April. Therefore, results for interim periods are not indicative of results to be expected for the full year.</font></p></div></div></div> 1449574000 -191399000 -2699555000 1449574000 2890954000 1233877000 -193204000 -2478748000 1233877000 2671952000 900000 500000 15500000 235700000 200000 100000 3400000 2000000 <font style="widows: 2; text-transform: none; background-color: rgb(255,255,255); text-indent: 0px; font: medium 'Times New Roman'; white-space: normal; orphans: 2; letter-spacing: normal; color: rgb(0,0,0); word-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px;" class="_mt"> </font> <p style="text-align: left;"><b><font style="font-family: MalgunGothicBold,Arial,Helvetica,sans-serif;" class="_mt" size="2">2. Subsequent Event</font></b></p> <p style="text-align: left;"><font style="font-family: Century,Times New Roman,Times,serif;" class="_mt" size="2">In August 2011, our Board of Directors approved a non-binding letter of intent to sell substantially all assets of RSM McGladrey Business Services, Inc. (RSM) to McGladrey &amp; Pullen LLP (M&amp;P) which is described in a recently issued Form 8-K. The sale is dependent on, among other factors, the ability of M&amp;P to raise financing for the purchase, and is expected to be completed by calendar year end. We also announced we are evaluating strategic alternatives for RSM EquiCo, Inc. (EquiCo). We recorded a $99.7 million impairment of goodwill in the first quarter for reporting units in our Business Services segment based on these events. These amounts related to the sale of RSM may fluctuate based on adjustments to the purchase price at closing as well as the additional realization of tax benefits related to the sale. M&amp;P will also assume substantially all liabilities, including contingent payments and lease obligations.</font></p> 399187000 405333000 26220000 17393000 0.015 0.015 0.228 0.350 399187000 405333000 209758000 139141000 0.120 0.120 87399000 57975000 0.050 0.050 0.228 0.350 399187000 405333000 26264000 26110000 0.060 0.060 0.912 0.931 6527000 1573000 2036552000 2028618000 4121000 3975000 154800000 145500000 16900000 3100000 9498000 9690000 95200000 319690000 305491000 319690000 305491000 319690000 305491000 Amounts have been restated to conform to the current period presentation. Total risk-based capital divided by risk-weighted assets. Classification of amounts as of April 30, 2011 have been restated to conform to the current period presentation. No loans past due 90 days or more are still accruing interest 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.